• Offices:
  • Bensalem
  • Newtown
  • Doylestown
  • Bristol
  • Quakertown
  • Norristown
  • Bethlehem
Free Consultation | CALL OR TEXT: 215-642-2335
  • Home
  • Practice Areas
    • Car Accidents
    • Workers’ Compensation
    • Truck Accidents
    • Motorcycle Accidents
    • Slip And Fall Accidents
    • Nursing Home Neglect
    • Paraquat & Parkinson’s Lawsuit
      • Abogado litigante de paraquat y enfermedad de Parkinson
    • Defective Medical Devices
    • Defective Drugs
    • Pedestrian Accidents
    • Bicycle Accidents
    • AFFF Firefighting Foam
    • Zantac
    • 3M Military Earplugs
    • Injury Law in Bucks County
    • Others
  • About
    • Areas We Serve
  • Testimonials
  • Results
  • Resources
    • FAQs
    • Blog
    • Videos
    • Free Offers
    • Blog Archive
    • FAQs Archive
  • Union Relationships
    • FOP Lodge 5
    • Sheet Metal Local 19
    • PSEA Mideastern
    • Roofers Local 30
    • Laborers’ 57
  • Español
    • Paraquat
  • Contact
  • Show Search

Stacking Your Auto Insurance Policy in Pennsylvania

· Sep 5, 2015 ·

Tweet
Share

Stacking your PA auto insurance is a good way to gain extra car insurance coverage for a low price. The Pennsylvania Motor Vehicle Code provides for stacking of underinsured and uninsured car insurance policies.

PA law allows an injured person to recover the sum of the limits of coverage for each motor vehicle as to which he or she is an “insured.” An “insured” is defined as either an individual identified by name as an insured in a policy, a spouse or relative of the named insured, or a minor in custody of the named insured or the named insured’s relative.

Some insurance policies also define an insured as a person who is occupying an automobile that they do not own.

There are two types of stacking on PA auto insurance policies:

1. Intra-Policy Stacking: When you stack uninsured or underinsured insurance benefits for cars on the same insurance policy.

2. Inter-Policy Stacking: When you stack uninsured or underinsured insurance benefits where more than one car is insured under more than one insurance policy.

It is highly recommended that if you own more than one car or you have family members who live in your household that you obtain “stacking” on your PA car insurance policy. The cost of stacking is usually minimal compared to the other parts of your insurance policy.

The PA uninsured or underinsured insurance stacking law is listed here:

§ 1738. Stacking of uninsured and underinsured benefits and option to waive

(a) Limit for each vehicle.–When more than one vehicle is insured under one or more policies providing uninsured or underinsured motorist coverage, the stated limit for uninsured or underinsured coverage shall apply separately to each vehicle so insured. The limits of coverages available under this subchapter for an insured shall be the sum of the limits for each motor vehicle as to which the injured person is an insured.

(b) Waiver.–Notwithstanding the provisions of subsection (a), a named insured may waive coverage providing stacking of uninsured or underinsured coverages in which case the limits of coverage available under the policy for an insured shall be the stated limits for the motor vehicle as to which the injured person is an insured.

(c) More than one vehicle.–Each named insured purchasing uninsured or underinsured motorist coverage for more than one vehicle under a policy shall be provided the opportunity to waive the stacked limits of coverage and instead purchase coverage as described in subsection (b). The premiums for an insured who exercises such waiver shall be reduced to reflect the different cost of such coverage.

Contact us for your FREE case evaluation!

  • This field is for validation purposes and should be left unchanged.

Looking for something?

View All Blog View All FAQs
Accessory Coverage for Motorcycle
Motorcycle Accidents,
Accessory Coverage for Motorcycle Continue Reading »
Are YOU fully Covered?
General,
Are YOU fully Covered? Continue Reading »
Brain Damage Claim & Brain Injury Compensation Claims in Southampton
Personal Injury,
Brain Damage Claim & Brain Injury Compensation Claims in Southampton Continue Reading »
Bus Driver at Fault
Bus Accidents,
Bus Driver at Fault Continue Reading »

Find a Determined
Lawyer Now!

  • Philadelphia Personal Injury Lawyer
  • Newtown Personal Injury Lawyer
  • Trevose Personal Injury Lawyer
  • Bensalem Personal Injury Lawyer
  • Middletown Personal Injury Lawyer
  • Levittown Personal Injury Lawyer
  • Bucks County Personal Injury Lawyer
  • Eddington Personal Injury Lawyer
  • Yardley Personal Injury Lawyer
  • Quakertown Personal Injury Lawyer
  • Bensalem Lawyer

Contact Us Now!

Please fill out the quick contact form below for a fast and free case consultation. We will contact you within 24 hours!

    • What can we help you with*?
  • This field is for validation purposes and should be left unchanged.

About Us

The nationally recognized and award-winning team of attorneys at Cordisco & Saile, LLC protect residents of Pennsylvania and New Jersey who have been injured in an accident from the tricks and tactics of the insurance companies. Call us today to learn more about your legal rights, and see what we can do to get your life back to the way it was.

Follow Us

Quick Links

  • Injury Law Practice Areas
  • Blog
  • FAQs
  • Testimonials
  • Results
  • Contact
  • Privacy
  • Sitemap
  • Disclaimer

Office Locations

  • Bensalem
  • Newtown-Langhorne
  • Doylestown
  • Bristol
  • Quakertown
  • Bethlehem
  • Norristown
  • Phone: 215-642-2335
  • Email: info@cordiscosaile.com
© 2019 Cordisco & Saile LLC, All Rights Reserved.
Tweet
Share

Copyright © 2022 · Monochrome Pro on Genesis Framework · WordPress · Log in

  • Bensalem
  • Newtown-Langhorne
  • Doylestown
  • Bristol
  • Quakertown
  • Bethlehem
  • Norristown
  • Phone: 215-642-2335
  • Email: info@cordiscosaile.com