By selecting stacking for your Uninsured Motorist (UM) coverages means you are able to collect from more than one auto insurance policy to receive full payment for your injuries. Not all states offer stacking. You have the option to choose Uninsured/Underinsured Motorist Bodily Injury stacking option in states such as Florida. Typically this is the only type of automobile insurance coverage that can be stacked.

Stacking UM policies is an option that allows you to increase the limits you select for your UM Bodily Injury coverages. Limits increase based on the number of cars you are insuring. Keep in mind this increased level of protection typically will raise your insurance premium.

When stacking of UM coverages with limits of $100,000/$300,000 (100/300) for 2 insured vehicles the maximum limits are double that of each policy on its own so it would be $200,000/$600,000 (200/600). If you left your UM coverages non-stacked or "unstacked," the limits would stay at $100,000/$300,000.

So by selecting stacking for your UMBI coverage, you increase your limits for each of these coverages by the number of cars you are insuring. Generally there is not a limit on the number of vehicles that can be insured and thus stacked this way.

Since laws in each state vary widely for UM/UIM BI stacking in accordance with each situation and sometimes depending upon case law, (and state insurance laws are continually being changed and update), it is best to check with your state’s insurance regulator as well as your insurance agent to find out if you can stack your UM/UIM benefits.

Click here to get low cost car insurance and see if your state allows for stacking on your Uninsured Motorist coverages.