In a landmark decision, the Washington Supreme Court in *Greengo v. Pemco* tackled the intricacies of anti-stacking exclusions under RCW 48.22.030(6). The court ruled that Lori Greengo, rendered quadriplegic in a chain-reaction crash, could claim two UIM recoveries if each collision had its own proximate cause. This case underscores the nuanced interpretation of "accidents" in insurance law.