Under Pennsylvania law one critical consumer choice when purchasing motor vehicle insurance involves the concept of “stacking” insurance coverage to increase your coverage based upon the number of cars you cover under the insurance policy. When you waive the right to stack your insurance coverage, you have to sign an insurance company form at the time you purchase the automobile insurance policy.
But do you have to sign a new form waiving stacked automobile insurance benefits every time you simply add a car to the policy?
In Pennsylvania the answer is NO. If you chose to waive stacked insurance coverage, then your stacking waiver election remains in place as you add or remove cars from the insurance policy over time as long as the original insurance policy remains in effect. The Third Circuit Court of Appeals recently affirmed this condition of Pennsylvania law in its June 12, 2014 ruling of Seiple v. Progressive Northern Insurance Company.
Navigating the purchase of automobile insurance is not as simple as the various ads make it seem. Consumers have many choices to make and all of your automobile insurance choices carry consequences if you are involved in a motor vehicle accident.
If you are in a situation where you may be facing divorce, it is critically important that you talk with an experienced motor vehicle accident attorney. At Amori & Associates, LLC, the experienced attorneys Scott M. Amori, Victoria A. Strunk and Robert A. Saurman would be happy to discuss your situation. Please contact Amori & Associates at (570) 421-1406 for a no obligation consultation.