Uninsured and underinsured motorist coverage helps to pay for your expenses if you are ever involved in a car accident with someone who has little to no insurance. If you have stacked auto insurance, it enables you to combine the coverage limits on multiple policies or multiple vehicles to get more coverage in the event you’re injured in an accident with a driver who has inadequate coverage.
Stacked insurance is primarily available with uninsured or underinsured motorist coverage. Some states prohibit or limit stacking insurance coverage, and even if it is allowed in your state, your insurer may not offer it.
Learn more about stacked vs. unstacked auto insurance so you can make the most of your coverage options.
Stacked vs. unstacked auto insurance
Uninsured and underinsured car insurance coverage is either stacked or unstacked. Stacked coverage combines the coverage limits of multiple policies or vehicles. With unstacked insurance, you would only be covered up to the amount declared on your insurance policy.
How does stacked auto insurance work?
Uninsured and underinsured motorist coverage (UM or UIM, respectively) provides bodily injury coverage for medical bills and property damage coverage for repairs or replacement of your vehicle. To use UIM or UM coverage, the underinsured or uninsured driver must be at fault. This coverage also applies if you’re the victim of a hit-and-run accident.
Uninsured motorist coverage helps to cover accidents where the other, at-fault driver has no insurance. Underinsured motorist applies if the other driver doesn’t have enough insurance to cover your medical costs. For example, the other drivers might only have state minimum liability coverage with relatively low limits.
However, stacked insurance only applies to the bodily injury coverage on your uninsured and underinsured motorist insurance policy, not the property damage. So you may be able