A recent decision by the Missouri Supreme Court in Karscig v. McConville and American Family Mutual Insurance Company, handed down on January 12, 2010, seems to have concluded that if the liable party is insured under more than one liability policy, that in addition to the coverage provided by the primary policy covering the motor vehicle involved, additional liability policies may be stacked up to the minimum limits required by Missouri's Motor Vehicle Financial Responsibility Law. The Missouri MVFRL requires limits of liability of $25,000.00 per person and $50,000.00 per accident. Multiple policies should always be examined in each case to determine if the facts might provide for additional coverages available to a seriously injured party.
Can Liability Coverage Be Stacked in Missouri Up to the Minimum Requirements of the MYFRL?
February 8, 2010
