What is unstacked uninsured motorist coverage?

Is unstacked uninsured motorist coverage right for you?

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

How to purchase unstacked uninsured motorist coverage

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

Unstacked uninsured motorist coverage (UM) is a type of auto insurance coverage that protects you if you are injured in a car accident by an uninsured or underinsured driver. An uninsured driver is someone who does not have auto insurance, while an underinsured driver is someone who does not have enough auto insurance to cover the full extent of your injuries.

Unstacked UM coverage limits the amount of coverage you can receive to the UM coverage limits for the vehicle you were driving at the time of the accident. This means that you cannot combine the UM coverage limits from multiple vehicles on your policy.

Benefits of unstacked uninsured motorist coverage

• Typically less expensive than stacked UM coverage.

Is unstacked uninsured motorist coverage right for you?

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

How to purchase unstacked uninsured motorist coverage

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