What is stacking uninsured motorist coverage?

Stacking uninsured motorist (UM) coverage 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 stacking 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 stacking uninsured motorist coverage right for you?

Whether or not stacking 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 stacking UM coverage may be a good option for you.

How to purchase stacking uninsured motorist coverage

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







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