Free Case Review Text us

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Stacked Insurance In Florida - What Are The Pros And Cons?

Frequently Asked Questions - Stacked Insurance In Florida - What Are The Pros And Cons?

If you own more than one vehicle then stacked insurance is a good buy.  With rising totals of vehicles on the road’s accidents are something the odds say will happen.  With stacked insurance, if you are in an accident, that is not your fault, with someone who does not have insurance then this will help with the excess expenses.  Purchasing just uninsured or underinsured motorist coverage on your vehicles is usually just not enough.  If you stacked your insurance coverage this will allow you to borrow from one of your vehicle’s coverage to the other without out of pocket expenses in the event of an accident.

For example, if you just had an accident and the damages were $100,000 and your limit of coverage was $50,000 then you would be responsible for that $50,000 difference.  But if you stacked then your other vehicle policy would help to kick in to pay the difference.  People driving without insurance is a problem.  Having uninsured coverage helps the people who do the right thing from unexpected costs but is just not enough.  Uninsured motorist’s insurance pays what their insurance should have paid for any bodily injury and can cover the damaged property, but if there are limits that are below the cost of damage this can be a problem.  With your own under-insured motorist insurance, it will cover if a person does not have enough coverage on their policy to take care of the damages, but what if limits don't meet the cost?  Your under-insured insurance would kick in and protect you.  But with both, there are set limits to how much damage the policy does cover.  This is where stacking works.  If you have a couple of cars then stacking the coverage limits would give you a higher coverage, basically doubling your coverage with the benefit of peace of mind and financial security.

There are many types of insurance coverage on cars.  The most important one is when you are in an accident.  Florida's minimum liability and property damage is important when thinking of coverage.  Liability and property damage coverage protects other drivers on the road from the damage you cause.  Having coverage protecting other people's property and medical costs will help to protect your own finances.  If you don't have it you can be sued.  When stacking insurance this will give you the extra coverage for the people who are careless and reckless when they are behind the wheel of a car.  Because car insurance is regulated at the state level, the laws in each state vary, and options are different.  Over half of the states in the United States allow stacking, but courts in states that don't have this type of insurance will often side with the consumer's side on stacking claims.  That is when it gets to court.

The pros and cons, pro is that with stacked insurance if you are in a serious accident and even if the other driver is under-insured or uninsured, then you will be covered for double the amount of one policy alone. On the other side, it would be more expensive.  It is more expensive than just buying one or an unstacked coverage since you are raising your coverage limit.  Another con would be that this is not available in all states so check with your agent to discuss what this policy entails and if the cost would be beneficial to your financial security.  Also, both policies need to have your name on them to be used. 

The good of unstacked car insurance would be less costly.  If you already have a good size liability limit on your policies instead of something like state minimum you really wouldn't be a good candidate.  And with unstacked, there are fewer steps and requirements because getting stacked has some steps and requirements that need to be in place to be used in case of an accident.  A Con would be that some accidents can even go higher than what the stacked insurance limit is and you will still be liable for that amount. 

The basic idea behind all insurance is that you buy it before you need it.  The best policy is the make sure it fits all your needs and unexpected needs.  This is so if disaster hits, and it will, you won't find yourself in dire financial disaster.  Truth in the saying “better safe than sorry”.  Insurance is a program that gives people protection against major disasters by combining risks with other people or paying into a kind of pool, which will pay if you have said an illness, injury, death, or car damage.  Having insurance allows you to transfer the possibility of a catastrophic financial loss to the insurance company and if you weren't covered it's devastating.  Insurance is a purchase made thinking into your future and before there is a disaster. Getting your policies in order while things are good and your still insurable.  Each state has its own rules for what is required when thinking of auto insurance.  To be within legal standards you must have liability insurance, but keep in mind that liability is very limited on what it pays out if you cause the damages.  So stacked or unstacked is a financial decision you would need to make. Weighing all information and talking with your auto insurer is a good way to begin your financial future and security.  Your insurance agent can better explain the stacking laws for whichever state you live in and they are best to answer any question you will have on your uninsured and under-insured coverage option.  If stacking is the option for you be sure to carefully look at any additional premiums to make sure it the right financial fit for you.  And remember this is not a fit for someone who owns one car or doesn't have any assets, but their jobs pay.  Getting higher liabilities limits would be the best for them, whereas when compared to someone paying on two vehicles and adding a stacked premium it would cost just about the same.  So, either way, each is protecting what they have.



Watch Video


Discover the TRIAL PRO Difference!

Call Now (407) 300-0000

Free Case Review

We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other location that you find more convenient. You are always welcome to come into our office as well. Contact us Today!

Free Case Review Text us

Car Accident Attorneys

With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
"I wouldn't be where I am today without Trial Pro."
Clarence,
Personal Injury Case
Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
Nicole,
Personal Injury Case
Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
Ashley,
Personal Injury Case
Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,510,000
"When I hired Trial Pro, I didn't have to worry about anything."
Mark,
Motorcycle Accident Case
Trial Pro got me $810,000

Our Personal Injury attorneys have been featured in numerous publications

Call Now (407) 300-0000

Personal Injury Attorneys

Committed to Your Personal & Financial Recovery


Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

Mobirise

Orlando Personal Injury Attorneys

After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
Compassionate In & Out of Court
Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

Pursuing Client Victories

Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

Free Case Review Text us

 Send Message
* The following info is required

 Our Locations

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys

Trial Pro, P.A.

The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.