**Court Limits Insurer Payouts in Fatal Louisiana Crash**
Louisiana’s Second Circuit Court of Appeal ruled that multiple insurers cannot be forced to pay more than their stated policy limits in a deadly 2022 truck crash, even when several companies are involved. The decision protects insurers from stacking coverage beyond what they agreed to write.
The crash happened when a Tigers Trans tractor-trailer driven by Beniyam Gebru struck a vehicle carrying Kayla Davis, Genesis Schaper, and her young son. Davis and Schaper sued Gebru, Tigers Trans, LVT Trucking, and a chain of insurers including Old American, Progressive, Sentry, and Penn-America. The key fight centered on whether the insurers had to pay their full limits on top of each other or whether the policies capped total recovery. The trial court had allowed broader recovery, but the appeals court reversed that finding.
The court held that each policy’s limit is the maximum the insurer must pay, regardless of how many companies share the risk. Judges Robinson, Marcotte, and Ellender said nothing in the policy language or state law required stacking the coverages. For trucking companies and fleet owners, the ruling means clearer exposure caps and fewer surprise multi-million-dollar judgments when several insurers are on the risk.
**Bottom Line:** Policy limits stay firm even with multiple insurers.
https://www.courtlistener.com/opinion/10928278/kayla-davis-and-genesis-schaper-individually-and-on-her-behalf-of-her/
What does this mean for your fleet’s insurance setup?