Under Pennsylvania law one important consumer choice involves “stacking.” Simply put, stacking increases the amount of certain coverages under your automobile insurance policy by increasing the amount of coverage based upon the number of cars you have insured under the car insurance policy. For example, if you elect to have uninsured/underinsured motorist coverage with a benefit of $50,000 and you have two automobiles covered under the insurance policy, your stacked insurance benefits would be a maximum of $100,000.
Of course, stacked insurance coverage costs more in the insurance policy’s premium and you can elect to waive stacked insurance coverage in exchange for a lower insurance premium (you can also elect full tort or limited tort liability insurance, which was covered in a prior blog post). The decision may seem like a small one -- one more paper to sign with the insurance agent – but like the choice to elect full tort or limited tort coverage the impact could be enormous if you are involved in a motor vehicle accident.
If you are in a situation where you are involved in a motor vehicle accident or if you have questions about your automobile insurance coverage, it is important that you talk with an experienced motor vehicle accident attorney. At Amori & Associates, LLC, the experienced attorneys Scott M. Amori, Victoria A. Strunk and Robert A. Saurman would be happy to discuss your situation. Please contact Amori & Associates at (570) 421-1406 for a no obligation consultation.