Some inexperienced injury lawyers fail to thoroughly identify all of the Georgia Uninsured Motorist insurance coverage available to their client after a serious car accident. I have previously written here about the added on coverage that everyone should select as it stacks on top of the at fault driver’s coverage, but stacking is another issue that an injury lawyer should deal with as well.
If you have more than one insurance policy( as opposed to more than one car on the same policy) you can generally stack those Georgia Uninsured Motorist Insurance coverages together. Horace Mann Ins. Corp. v. Mercer, 257 Ga. App. 278, 570 S.E. 2d 589 (2002) For example, I have a client with different four State Farm policies and he is able to stack each of the $250,000.00 policies to provide a total of $1,000,000.00 in coverage for his wife’s permanent injury. That would not be true if the four cars were all insured on the same policy. You can also stack motor home policies, motorcycle policies and umbrella uninsured motorist policies.
The most common situation where this arises is with State Farm policies. State Farm issues a separate insurance policy for each car insured. The result is that if you have UM coverage, the policies can all stack, creating greater coverage.