[Steve Cassani]

blown871'sw link to insurance stacking-a term new to me-is an eye opener. Montana allows insurance stacking. In my example of the accident in the Miata, the first $250,000 of an award to an injured party would be covered by the policy on the Miata. If the award were $300,000 and the policy on the Kirkham have this value as the limit to Liability Coverage, the $50,000 remaining to be paid by me would come from the policy on the Kirkham. I'll wait for blown871 or another poster to verify I'm working through this correctly but so far in the discussion it sounds as though this is exactly the situation providers of classic car insurance want to avoid.