To the best of our knowledge there are currently nineteen (19) states whose statutes, rules, and/or case law either do not address the issue or specifically allow it.

So the 19 states that allow stacking of uninsured motorist are: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Hawaii, Iowa, Kentucky, Maine, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Pennsylvania, Rhode Island, Vermont and West Virginia.

In many of the states that do allow stacking auto insurers are permitted to include policy language that prevents policyholders from stacking UM/UIM coverage. So while your state might permit stacking, if your policy explicitly forbids it, you will not be able to stack your benefits.

You can learn more about insurance requirements on our Interactive Car Insurance Requirement Map.

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.