What Does “Stacking Coverage” Means In Georgia Uninsured Coverage?

In Georgia (but not in Tennessee) you can stack coverage for damages from one or more sources. Here is an example:

In 2015, we had a client who was hit by a drunk driver who had policy limits of only $25,000 dollars. Given that the collision broke three vertebra in her back, and fractured multiple ribs, her sternum and multiple facial bones and she spent weeks in the hospital and months in rehabilitation, $25,000 dollars wasn’t close enough to compensate this young lady. However, on closer examination of her parents’ insurance, we learned not only did her parents carry $300,000 dollars in underinsured motorist coverage, they also carried another $1 million in “umbrella coverage”. We were able to stack the $300,000-dollar underinsured policy motorist policy on top of the $25,000 negligent (and drunk) driver policy and the $1 million umbrella policy on top of the other policies for a total of $1,325,000 dollars to our client.

That is an example of stacking insurance policies in Georgia.

The great thing about stacking uninsured coverage is it covers you even if you are riding in the car of someone who has no uninsured or underinsured coverage at all. Your Georgia uninsured policy follows you.

Take the first step toward a fair settlement by consulting experienced personal injury attorneys who know how to handle personal injury cases and will be truthful with you about whether he or she can help your case. Contact us, start a chat, or call our Chattanooga office at 423-892-5533 to schedule a free claim strategy session. We take cases on a contingency fee basis, so you pay no attorney fees until we win your case.