What is insurance stacking?

Insurance stacking refers to recovering the policy limits to more than one policy. For example, if you suffered bodily injury after a car accident, you can make a claim on the at-fault driver’s insurance. But Georgia only requires that drivers have $25,000 per person in bodily injury liability insurance. This creates a problem if you have $100,000 in medical expenses, lost wages, and pain and suffering.

Fortunately, Georgia law allows you to stack multiple policies. You might also be able to receive compensation from:

  • The driver’s umbrella insurance policy
  • An employer’s insurance policy, if the at-fault driver was on the job when he hit you
  • Your own underinsured or uninsured motorist policy


Furthermore, you can stack multiple uninsured/underinsured motorist (UM) policies if a relative you live with has a UM policy on their own vehicle. For example, it is possible that you can tap your spouse’s UM coverage to cover unpaid expenses related to an accident.

Stacking is complicated, and you would be best served by meeting with an experienced car accident attorney to discuss your situation.