What is stacked uninsured motorist coverage?

 Stacked uninsured motorist coverage (UM) is a type of auto insurance coverage that allows you to combine the UM coverage limits from multiple vehicles on your policy. This can provide you with significantly more coverage than you would have with non-stacked UM coverage.

Benefits of stacked uninsured motorist coverage

  • More financial protection in the event of an accident with an uninsured or underinsured driver.
  • Peace of mind knowing that you have enough coverage to pay for your medical expenses and other damages.
  • The ability to file a UM claim even if you were not driving one of your own vehicles at the time of the accident.

Is stacked uninsured motorist coverage right for you?

Whether or not stacked UM coverage is right for you depends on your individual circumstances. If you live in an area with a high number of uninsured drivers, or if you have a high-value vehicle, then stacked UM coverage may be a good option for you.

You should also consider your budget when deciding whether or not to purchase stacked UM coverage. Stacked UM coverage is typically more expensive than non-stacked UM coverage. However, the additional cost may be worth it for the peace of mind that comes with knowing that you have enough coverage to protect yourself and your family in the event of an accident.

How to purchase stacked uninsured motorist coverage

If you are interested in purchasing stacked UM coverage, you should contact your auto insurance company. They will be able to tell you whether or not stacked UM coverage is available in your state and how much it will cost.


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