Stacking UM vs, Non Stacking UM Stacking normally refers to an option you can s…

Stacking UM vs, Non Stacking UM

Stacking normally refers to an option you can select for Uninsured Motorist Bodily Injury (UM) and/or Underinsured Motorist Bodily Injury (UNDUM) coverages.

Stacking Uninsured / 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 John has limits of $100,000/$300,000 for his uninsured motorist bodily injury coverage and is insuring 2 vehicles. If he leaves them "unstacked," or non-stacked as you called it, John's limits would stay at $100,000/$300,000. If John instead chooses to "stack" his UMBI coverages then his limits would double to $200,000/$600,000.

So 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. Generally there is not a limit on the number of vehicles that can be insured and thus stacked this way.

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