{"id":32786,"date":"2011-07-08T12:54:57","date_gmt":"2011-07-08T12:54:57","guid":{"rendered":"http:\/\/localhost:8888\/wordpress\/the_importance_of_stackable_un\/"},"modified":"2024-12-17T15:46:58","modified_gmt":"2024-12-17T20:46:58","slug":"the-importance-of-stackable-un","status":"publish","type":"post","link":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/","title":{"rendered":"The Importance of Stackable Uninsured\/Underinsured Insurance Coverage"},"content":{"rendered":"<p>We have written before about the importance of uninsured\/underinsured motorist coverage.  This past week we resolved a case for a client that is a classic demonstration of why it is so very important that uninsured\/underinsured motorist coverage be purchased at the time one acquires liability insurance coverage for their own vehicle.<\/p>\n<p>In the case we mentioned, a young lady was hit by a driver who was clearly negligent.  Unfortunately, the driver of the vehicle that injured our client had only the minimum limits of liability insurance, that being $25,000.00 in bodily injury coverage.  The driver also was unemployed and lived in a trailer and had no assets to satisfy a judgment over and above the available liability insurance coverage.  Our client\u2019s injuries were far in excess of available coverage and, indeed, her medical bills were three times the amount of available liability insurance.<\/p>\n<p>Fortunately for our client, she was driving her parents\u2019 vehicle which had $100,000.00 underinsured motorist coverage.  She also had $50,000.00 in underinsured motorist coverage  for her own vehicle.  Because both policies were stackable, there was total available coverage of $175,000.00.  Even with this available coverage, the client was still underinsured because her overall damages (medical bills, lost wages, permanent disability and pain and suffering, past and future) were greater than the available coverage.  However, the point to be made is that if she had not had the benefit of underinsured or uninsured motorist coverage, she would have been limited in her recovery to $25,000.00, which would have compounded her personal tragedy.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/\"  title=\"Continue Reading The Importance of Stackable Uninsured\/Underinsured Insurance Coverage\" class=\"more-link\">Continue reading<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>We have written before about the importance of uninsured\/underinsured motorist coverage. This past week we resolved a case for a client that is a classic demonstration of why it is so very important that uninsured\/underinsured motorist coverage be purchased at the time one acquires liability insurance coverage for their own vehicle. In the case we [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[44],"class_list":["post-32786","post","type-post","status-publish","format-standard","hentry","category-personal-injury-wrongful-death","tag-personal-injury"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Importance of Stackable Uninsured\/Underinsured Insurance Coverage &#8212; Trial Attorney Blog &#8212; July 8, 2011<\/title>\n<meta name=\"description\" content=\"We have written before about the importance of uninsured\/underinsured motorist coverage. This past week we resolved a case for a client that is a classic &#8212; July 8, 2011\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"The Importance of Stackable Uninsured\/Underinsured Insurance Coverage &#8212; Trial Attorney Blog &#8212; July 8, 2011\" \/>\n<meta name=\"twitter:description\" content=\"We have written before about the importance of uninsured\/underinsured motorist coverage. This past week we resolved a case for a client that is a classic &#8212; July 8, 2011\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Finch McCranie, LLP\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Importance of Stackable Uninsured\/Underinsured Insurance Coverage &#8212; Trial Attorney Blog &#8212; July 8, 2011","description":"We have written before about the importance of uninsured\/underinsured motorist coverage. 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This past week we resolved a case for a client that is a classic &#8212; July 8, 2011","twitter_misc":{"Written by":"Finch McCranie, LLP","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/#article","isPartOf":{"@id":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/"},"author":{"name":"Finch McCranie, LLP","@id":"https:\/\/www.finchmccranie.com\/blog\/#\/schema\/person\/4c607d19a3fdb947c462210c077ff4a4"},"headline":"The Importance of Stackable Uninsured\/Underinsured Insurance Coverage","datePublished":"2011-07-08T12:54:57+00:00","dateModified":"2024-12-17T20:46:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/"},"wordCount":348,"keywords":["Personal Injury"],"articleSection":["Personal Injury &amp; Wrongful Death"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/","url":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-stackable-un\/","name":"The Importance of Stackable Uninsured\/Underinsured Insurance Coverage &#8212; Trial Attorney Blog &#8212; July 8, 2011","isPartOf":{"@id":"https:\/\/www.finchmccranie.com\/blog\/#website"},"datePublished":"2011-07-08T12:54:57+00:00","dateModified":"2024-12-17T20:46:58+00:00","author":{"@id":"https:\/\/www.finchmccranie.com\/blog\/#\/schema\/person\/4c607d19a3fdb947c462210c077ff4a4"},"description":"We have written before about the importance of uninsured\/underinsured motorist coverage. 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