--- title: Stacking PIP Coverage on Your Automobiles description: I do personal injury litigation. I don't advertise that, but for good people with good cases or on referrals from good colleagues, I will take the case. I've litigated a wrongful death case in Otter Tail County and litigated auto accidents in Minneapolis and Woodbury. --- [Dan's Desk](https://www.gallatin-law.com/blog/author/dan-gallatin) - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer) - [hugo](https://www.gallatin-law.com/blog/tag/hugo) - [MN](https://www.gallatin-law.com/blog/tag/mn) - [law](https://www.gallatin-law.com/blog/tag/law) - [attorney](https://www.gallatin-law.com/blog/tag/attorney) - [legal](https://www.gallatin-law.com/blog/tag/legal) [Subscribe](https://www.gallatin-law.com/blog/stacking-pip-coverage-on-your-automobiles#) 11/13/2019 # Stacking PIP Coverage on Your Automobiles - - - - - [mailto:?subject=Stacking%20PIP%20Coverage%20on%20Your%20Automobiles&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Fstacking-pip-coverage-on-your-automobiles](mailto:?subject=Stacking%20PIP%20Coverage%20on%20Your%20Automobiles&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Fstacking-pip-coverage-on-your-automobiles) I do personal injury litigation. I don't advertise that, but for good people with good cases or on referrals from good colleagues, I will take the case. I've litigated a wrongful death case in Otter Tail County and litigated auto accidents in Minneapolis and Woodbury. Some places put out ad campaigns for personal injury litigation, but those places are high volume (meaning low value) places—very good for some people, but not right for all. One of your insurance coverages on your automobile is for Personal Injury Protection ("PIP"). PIP coverage is what pays your medical bills related to automobile accidents. Your standard, the minimum coverage is $20,000.00 per incident. For a very nominal additional premium amount, you can stack your PIP coverage if there are other vehicles in your household. Stacking permits you to double your PIP coverage to $40,000.00. PIP coverage has not kept up with the economic times. $20,0000 just doesn't go very far any longer. When you burn through your PIP benefits, your health insurer will pay, but will expect and demand to be paid back for the benefits that heather insurer pays. There is no similar avenue for your auto insurer to demand to be repaid for PIP benefits paid on your behalf. The simple directive to your car insurance agent is this: Stack my PIP coverage. If you have any questions on this or any personal injury situation, please call and I can help you or direct you to highly qualified, highly personal, and highly skilled personal injury attorneys. The material contained herein is provided for informational purposes only and is not legal advice, nor is it a substitute for obtaining legal advice from an attorney. Each situation is unique, and you should not act or rely on any information contained herein without seeking the advice of an experienced attorney. All information contained in links are the property of the linked site. - [accident](https://www.gallatin-law.com/blog/tag/accident), - [coverage](https://www.gallatin-law.com/blog/tag/coverage), - [insurance](https://www.gallatin-law.com/blog/tag/insurance), - [personal injury protection](https://www.gallatin-law.com/blog/tag/personal-injury-protection), - [pip](https://www.gallatin-law.com/blog/tag/pip), - [wrongful death](https://www.gallatin-law.com/blog/tag/wrongful-death), - [stack pip](https://www.gallatin-law.com/blog/tag/stack-pip) ![Dan Gallatin](https://www.gallatin-law.com/hubfs/assets-mjfw/site%20images/Dans-Desk.jpg) ## [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin) Dan is a lifelong resident of Minnesota. Born in St. Paul, Dan spent many of his formative years growing up there before moving to White Bear Lake. After graduating from White Bear Lake, Dan spent four glorious years at the University of Wisconsin-Madison, earning a degree in two majors. Dan worked as a Senior Investigator at the Minnesota Department of Commerce for several years after graduating from college. During his final years Dan attended William Mitchell College of Law while still working full-time. During this exhausting 3 ½ year period Dan honed his skills in becoming an efficient, to-the-point legal practitioner. While at Madison Dan met his wife, Tonya, and together they moved to Minnesota to plant their roots. Dan and Tonya have two amazing, unique children and reside in Hugo. ### CONNECT WITH ME - ## Related Posts [05/20/2020 Application of Res Judicata to Derivative Claims in a Family Business The title itself is a lot to take in, so let's break it down. Res Judicata is the legal principle that prevents claims that could have been litigated… Read Post ](https://www.gallatin-law.com/blog/application-of-res-judicata-to-derivative-claims-in-a-family-business) [07/03/2019 Gallatin Law Prevails at Trial in Anoka County Gallatin Law doesn't write about all of its wins, however, this highly contentious real estate litigation case deserves a note. Read Post ](https://www.gallatin-law.com/blog/gallatin-law-prevails-at-trial-in-anoka-county) ### Subscribe Here! ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dan Gallatin", "url" : "https://www.gallatin-law.com/blog/author/dan-gallatin" }, "dateModified" : "2020-08-21T18:17:01.320Z", "datePublished" : "2019-11-13T06:00:00.000Z", "headline" : "Stacking PIP Coverage on Your Automobiles", "mainEntityOfPage" : { "@id" : "https://www.gallatin-law.com/blog/stacking-pip-coverage-on-your-automobiles", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gallatin-law.com/hubfs/logos/Gallatin-Logo-654x84.png" }, "name" : "Gallatin Law, PLLC" } } ```