Virginia allows “stacking” of automobile insurance policies, which means that sometimes it is possible to apply multiple insurance policies to the same accident or loss, thus increasing the amount of insurance coverage available to the person who is injured. The Virginia law is specific as to the circumstances when multiple insurance policy coverages will apply, so it is worthwhile to contact the Loeschen Law Firm to see if multi-policy coverage is available. Often insurance carriers will offer a discount on insurance premiums if you purchase different policies from the same insurance carrier. Most of these policies contain language that specifically prohibits stacking of insurance policies. Thus, while insurance companies advertise the savings of “bundling” insurance policies by slightly discounting insurance policy premiums, the benefit really goes to the insurance company. Since there is no stacking of insurance policies, the carrier collects the discounted premiums for two policies, knowing that the maximum payout is only limited to one.