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Q

What coverage is recommended for uninsured motorist non-stacked? I do not have any medical insurance for myself.


A

Uninsured motorist bodily injury (UM) insurance covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured driver.

The industry standard recommendation for non-stacked uninsured motorist bodily injury coverage is 100/300. These numbers stand for $100,000 of UM coverage per person with $300,000 being the maximum UM payout per accident for all injuries.

In general, uninsured motorist bodily injury coverage is sold by car insurance companies at the same limits as your bodily injury liability (BI) coverage. If you want 100/300 limits for UM, then normally you need to have BI limits of 100/300. It works out, since the insurance industry recommendation for bodily injury liability is also 100/300.

You may be able to purchase uninsured motorist coverage with limits less than your liability limits if you want, but typically only if your auto insurance provider allows it and after signing a document stating that you have chosen these lower limits.

In some states, such as Florida, uninsured motorist bodily injury is stacked; unless you sign a form showing you elected to purchase non-stacked coverage.

Not stacking your uninsured motorist coverage can save you a bit on your car insurance rates, but if you have multiple vehicles you are missing out on the benefits stacking UM coverages can give you.

If you instead elect to purchase stacked uninsured motorist coverage, your car insurance policy limits for each motor vehicle you insure are added together for all covered UM injuries.

For example, Joy has limits of $100,000/$300,000 for her uninsured motorist bodily injury coverage and is insuring 2 vehicles. If she chooses non-stack coverage, her limits will stay at $100,000/$300,000. If instead Joy chooses to stack her coverages, then the limits will double to $200,000/$600,000.

If you are in a serious accident with an uninsured driver your medical bills could add up quickly. Since you are without medical insurance of your own, getting higher limits for UM and stacking them (if you have more than one vehicle on your policy) is advisable.

To help find out what coverages and limits are right for you, use the Carinsurance.com coverage calculator. It offers basic recommendations for typical coverage, limits, and deductibles needed based on the answers you provide.

Once you know the coverages and limits you want to purchase use CarInsurance.com to automatically find the best rates available.

We offer multiple company insurance rates for personal auto insurance and the ability to purchase from one place; we are ahead of other online insurance companies. Start your free auto insurance quote here.


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