Giles v. Whitaker

Appellant (Giles) brought this declaratory judgment action to determine whether automobile liability coverage under three insurance policies issued by respondent (State Farm) could be stacked. The trial judge held Giles was not entitled to stack the automobile liability coverage and that State Farm’s liability was limited to $15,000. We affirm.

On April 4, 1986, Whitaker purchased a Jeep. At his request, State Farm deleted a Chevrolet from one of his insurance policies and substituted the Jeep in its place. This “Chevrolet policy” provided bodily injury coverage in the amount of $15,000.

While…