Opinion ID: 1827681
Heading Depth: 1
Heading Rank: 1

Heading: FARIA v. SMOAK

Text: In Faria v. Smoak , the Caugheys paid premiums for uninsured motorist coverage for three vehicles under one family combination automobile policy. They were the named insureds under the policy. By purchasing a policy covering their three vehicles, the Caugheys expected the protection of the coverage paid for on all three vehicles. In Barbin v. United States Fidelity & Guaranty Co., supra, stacking was allowed for multiple vehicles insured under one policy. We noted that R.S. 22:1406 required that an insurer provide UM coverage in certain limits for each insured vehicle. Thus, this court concluded that, as long as premiums were paid for multiple uninsured motorist coverages, the coverages could be stacked. The plaintiffs therefore are entitled to stack the coverages paid for by the Caugheys.