IDAHO GUIDE 06
Idaho Stacking & Multiple Insurance Policies
Stacking analysis asks whether more than one independently applicable coverage may respond to the same loss. The answer depends on the coverage, insured status, policy wording and current Idaho law.
- Identify every potentially applicable policy and limit.
- Determine whether each policy independently covers the claimant and occurrence.
- Review anti-stacking, other-insurance and anti-duplication clauses.
- Apply current Idaho statutes and controlling appellate authority.
Publication review note — September 17, 2026. Verify current Idaho stacking and UM/UIM authority before publication.
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