Insurance Law Lesson 83: Anti-Stacking

You likely have multiple insurance policies (Lesson 10), and some of your insurance policies contain multiple different coverage parts (Lesson 15). (See also, generally, Lessons 34, 37, 38). The different policies, any maybe even coverage parts within a single policy, have their own limits (Lesson 6).

What if you incur a loss that implicates multiple coverages or policies?

All other things being equal, you could tap into all of those limits. You could “stack” the available coverages (Lesson 82). But, frequently, all other things are not equal. Insurers have largely wised up to this and include “anti-stacking” clauses in many policies to keep the available coverage limited to a single policy limit.

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