Yes, most carriers in Pennsylvania will allow a policyholder to elect stacking for their uninsured motorist (UM) but non-stacking for their underinsured motorist (UIM) coverage. However it is ultimately up to the individual underwriting of the company so while many insurance providers allow UM to be stacked and UIM to be non-stacked there are insurance providers that may require you to stack both or have both non-stacked.

Pennsylvania is one of about 20 states nationwide that allow stacking. Stacking uninsured and/or underinsured motorist policies is an option that allows you to increase the limits you select for your UI/UIM bodily injury coverage. 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.

An example of stacking is Brad has limits of $100,000/$300,000 for his uninsured motorist bodily injury coverage and is insuring 2 vehicles. If he leaves them "unstacked" Brad's limits would stay at $100,000/$300,000. If Brad instead chooses to "stack" his UMBI coverages then his limits would double to $200,000/$600,000.

Click here to get free auto insurance quotes with companies in PA that allow you to elect stacking for UM and non-stacking for UIM coverages on your car insurance policy.