It may be one of the wisest decisions you can make this year. UM insurance determinations rely on many factors. Contact us today for caring, experienced assistance in any matters relating to auto accidents and other legal issues you face: Call Kramer-Now Non-stacking Insurance UM vs. What Injuries are Emergency Medical Conditions? Kramer — Founder Robert W. Brannen Keith T. Hill Janelise Gastell Michael L. Leetzow Raymond A. Stacking vs.
Free Case Evaluation. Anytime am - am am - pm pm - pm pm - pm pm - pm. Of course, auto insurance policies can vary greatly, but if you don't stack your coverage, your policy is unstacked.
Your coverage is only what's listed in the declarations page of your policy. If you get into an accident, your coverage level will not be as high as it would have been with a stacked policy. Also, if you only own or insure one car, stacked insurance will not be an option. That means you will have an unstacked or regular auto insurance policy.
Just like any insurance policy, the more coverage you have, the more expensive the policy will be. Stacking your uninsured motorist coverage is more expensive than purchasing separate and unstacked coverage since you are doubling your coverage limit.
Keep in mind, though, that you may end up paying more out-of-pocket if you end up in an accident with an uninsured or underinsured driver. Some states limit the number of policies you can stack or your ability to do so at all. This can also get tricky if other people in your family are the ones driving the vehicle, so make sure to talk to a qualified insurance agent.
No matter where you live, you should be able to find regular or unstacked auto insurance fairly easily from a variety of insurance companies. Here's a situation in which it could be important. Let's say you are in an accident where you are not at fault. The other driver who caused the accident does not have insurance, and the damage to you or your vehicle exceeds the uninsured motorist coverage you have purchased on one of your vehicles.
If you have purchased uninsured or underinsured motorist coverage on multiple vehicles, you will be covered up to a certain limit on each vehicle. If you only own one vehicle that has uninsured motorist coverage, you are on the hook for this damage.
If you own two vehicles with unstacked motorist coverage, you are also out of luck. Of course, the more coverage you have the more expensive your policy will be. But if you choose to stack your insurance coverage, you're doing it with the worst-case scenario in mind—not the best. In the event of an accident with an uninsured or underinsured driver, your stacked insurance will help keep you from paying out-of-pocket costs.
Auto insurance is important, whether you end up with a stacked or unstacked policy. If you're not sure which is right for you, you can always talk to your insurance agent. If you insure multiple vehicles, they may be able to help you decide whether paying for a stacked policy makes sense for you.
Insurance Research Council. Industrial Accidents. Medical Malpractice. Motorcycle Accident. Nursing Home Abuse. Product Injuries. Social Security Disability. Workers' Compensation. Statute of Limitations. State by State Laws. Complicated Cases. Contact Us. Stacking of Limits Learn About Stacking Benefits on Your Pennsylvania Car Insurance Among the many options you're given when selecting a car insurance policy, you may be curious about what the term "stacking" means.
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