Prior to Governor Walker's repeal of Truth in Auto, in cases involving serious or catastrophic injuries Wisconsinites were allowed to add up the coverages for every car they insured with the same insurance company. Unlike the scare tactics used by the Wisconsin insurance companies, stacking was not a common everyday occurrence. It was only in those rare cases where people were catastrophically injured and deservedly needed additional benefits that stacking occurred.
Stacking Factual Scenario
a). You are seriously injured in a crash, the at-fault driver is 100% negligent and your reasonable damages are $300,000;
b). Negligent driver who hit you has the new state minimums of $25,000 per person/$50,000 per claim;
c). You have UM/UIM coverage of $100,000 per person/$300,000 per claim;
d). You collect the $25,000 maximum owed by the at-fault driver's insurance;
e). You have 3 cars insured with Insurer X and are charged 3 separate premiums; and
f). Each car had UM/UIM limits of $100,000 per person /$300,000 per claim.