Is Stacking Insurance Policies Possible After a New York Passenger Car Accident? - Samantha Kucher

From Kucher Law Group – Is Stacking Insurance Policies Possible After a New York Passenger Car Accident? explores how New York’s strict insurance laws affect compensation for car accident victims. Unlike many other states, New York explicitly prohibits the stacking of Uninsured/Underinsured Motorist (UM/UIM) and Supplementary Uninsured/Underinsured Motorist (SUM) coverage. This episode breaks down what stacking means, how it works in other jurisdictions, and why New York’s stance on the issue can significantly limit the financial recovery options available to injured drivers and passengers.

We dive into the legal foundation behind New York’s anti-stacking rule, as outlined in 11 NYCRR 60-2.3, and explain the critical language in the state-mandated SUM endorsement that prohibits combining coverage limits. Using real-world examples, we explore how New York law balances public policy and affordability by limiting recovery to the highest single SUM policy available—even when multiple policies exist. You’ll learn the differences between vertical (intra-policy) and horizontal (inter-policy) stacking, and why neither is permitted in the Empire State.

Joining us are the dedicated attorneys of Kucher Law Group—Samantha Kucher, Esq., Michael Roitman, Esq., and Alex Rybakov, Esq.—who share their insights on how to navigate New York’s complex Priority of Coverage rule. This tiered system, which governs how SUM claims are paid, can be confusing but essential to understand. Whether you're the named insured or a covered relative, knowing the order in which policies apply could mean the difference between limited and full recovery after a serious collision.

Finally, we address the importance of early legal guidance and strategic claim handling. From identifying all applicable SUM policies, including those of resident relatives, to meeting strict notice requirements and protecting subrogation rights, this episode emphasizes why legal knowledge is power. With decades of combined experience, the attorneys at Kucher Law Group explain how to avoid common pitfalls and secure the compensation you’re entitled to under New York law. Don’t miss this essential episode for anyone navigating the aftermath of a New York car accident.

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