In a triumph of form over substance, the Pennsylvania Superior Court has issued its latest ruling in the Sackett saga, in a classic contractual dispute between insurer and insured over the insured’s demand that underinsured motorists protection benefits be stacked, after the insured executed a valid declination/waiver of stacking, before purchasing and adding a third vehicle to their policy, for which a waiver of stacking was never secured by the insurer or its agent.