Missouri Appellate Court Finds Ambiguity in Anti-Stacking Provision, Allows Stacking of Limits of Liability in Four Separate Auto Liability Policies

In a significant ruling, the Missouri Court of Appeals has opened the door for policyholders to stack liability limits across multiple auto insurance policies. The case, Shelter Mutual Insurance Company v. Lester, centers on the interpretation of an anti-stacking provision that left many questioning its implications. With the court’s determination that “single loss” can refer to individual injuries rather than a collective event, the decision allows for greater coverage in cases involving multiple claimants. This ruling could reshape how auto liability policies are understood and utilized in Missouri. Read on to discover the full implications of this landmark decision.