Insurance Law Lesson 84: Anti-Stacking (2)

Insurance companies try to avoid stacking. (Lessons 81, 82). But it doesn’t always work.

First of all, there are many, many ways to stack. You can stack chronologically, hitting many policies one after the other for an ongoing loss. You can stack across multiple policies from the same insurer (who issued multiple policies or coverages) or different insurers. You can stack for multiple claimants, even perhaps within the same policy (I’ve seen this attempted with auto policies).

When you are reviewing your policy, check for anti-stacking language. There might even be a separate endorsement form (Lesson 2) for the sole purpose of limiting stacking. What kind of stacking is prevented? Is there some type of loss that you still might be able to tap multiple limits?

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