In Florida, you have the option to choose Uninsured/Underinsured Motorist Bodily Injury coverage with a stacking option. Typically this is the only type of automobile insurance coverage that can be stacked.

By selecting stacking for your Uninsured/Underinsured Motorist Bodily Injury coverage, you increase your limits for each of these coverages by the number of cars you’re insuring.

Stacking of UM only applies if you have more than one vehicle on your policy.

If you were to insure 2 cars and select stacking, your Uninsured/Underinsured Motorist Bodily Injury coverage limits of $50,000/$100,000 would double to $100,000/$200,000. If you were to insure 3 cars and choose stacking, $50,000/$100,000 limits would increase to $150,000/$300,000.

Selecting the stacking option for uninsured and underinsured motorist bodily injury coverage increases your premium.

UM covers you, the insured members of your household and your passengers for bodily/personal injuries, damages, or death caused by an at-fault uninsured or hit-and-run driver. If you are involved in an accident where the other driver is at fault but has no insurance, your policy will cover your medical expenses, up to the limit on your policy.

If you have more than one vehicle and want to increase your coverage limits, select Stacked. If you want the limits indicated then select Non-Stacked.