Often, the first question asked by a plaintiff\u27s attorney in evaluating a serious automobile accident case is, How much insurance coverage is available? That same question can pose perplexing issues for defense attorneys or insurance counsel in assessing a client\u27s exposure to liability. In Virginia, these questions often re- quire the attorney to consider the application of Virginia\u27s Uninsured Motorist statutes and the import of stacking of coverage