At-fault drivers often add insult to injury by not carrying enough insurance, or having none at all, or even fleeing the scene. But if you're a wise consumer with good auto coverage, you may qualify for even more compensation from your own policy, under the right circumstances. Check out this brief video where  South Carolina auto accident lawyer Rob Usry describes how the complicated process of stacking might make all the difference in your case. The great news is, it applies to motorcycle accidents, too.


Hey folks, underinsurance and uninsurance are some of the most important auto coverages you own and here's a hidden benefit that can give immense relief in the right situation: it's called stacking.

Stacking allows a victim to use the coverage in the car you rode in, plus other coverages on other cars in your household until all your injuries are paid for or until you use up all the coverage. Let me give you an example how that can work. Say you and your spouse have three cars. Each car has a hundred thousand dollars in coverage. You have made yourself potentially eligible for an additional three hundred thousand dollars in coverage if you get seriously hurt in a car accident and if you do get that seriously hurt by an at fault driver whose only got twenty five thousand dollars in liability coverage or none at all you're gonna need it.

But don't think it's going to be easy just because it's your coverage. Here’s the shocking truth about stacking. In these situations your own insurance company fights against you and the rules over stacking can be very complex. Generally, to stack, you've got to have the coverage on your car that you want to stack. You’ve also got to either be the policyholder or married to the policyholder or live with the policyholder and be a relative of the policyholder. Plus, you've got to have the coverage on multiple cars in your household. There’s other rules that can affect whether you can stack and how much.

So the end of it all is if you get seriously hurt in a South Carolina car crash and need under insurance or uninsurance, you owe it to yourself to consult with an experienced auto accident attorney who can help you maximize your coverage to protect your right to get as compensated as you possibly can for the injuries you've suffered. Now to do that you can contact us right from where you're sitting through a live chat or fill out our get help now section at the top of our web page and you're always welcome to call us we won't pressure you to hire us. I thank you for thinking about this with me and I hope I see you soon.

Rob Usry
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Rob is a Spartanburg personal injury lawyer. Rob also practices as a workers' compensation attorney.