- 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.
Why would you choose stacking for your auto insurance?
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, because it increases your limits!
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. Stacking UM is another option in car insurance to get higher limits because you have multiple vehicles.
We did a comparion of rates with stacking versus not stacking UM coverage in Florida.
- A 2 vehicle quote with 50/100 BI and UM Non-Stacked - $622.06.
- A 2 vehicle quote with 50/100 BI and UM Stacked - $669.03.
- A 2 vehicle quote with 100/300 BI and UM Non-Stacked - $736.29.
You can see that is less expensive to get 50/100 BI and UM Stacked (where your UM limits are actually 100/200) then it is to purchase higher limits on BI and UM.
This may confuse you more, if so - calll a CarInsurance.com licensed agent for assistance at the number listed at the top of the page.