Lumbermens Mutual Casualty Co. v. DeCenzo

In this case we consider whether an insured may “stack” optional underinsured motorist benefits under separate policies covering each of the insured’s three automobiles. The plaintiff sought a declaration pursuant to G. L. c. 231A of the amount of underinsured motorist benefits available to Robert A. DeCenzo due to the death of his son, Ward R. DeCenzo. A Superior Court judge ruled that DeCenzo’s benefits were limited to the highest amount of underinsured coverage in any *693one policy. The Appeals Court affirmed. Lumbermens Mut. Casualty Co. v. DeCenzo, 18 Mass. App. Ct. 973 (1984). We allowed…