Stacked or Unstacked Insurance Coverage

What UM Coverage You Should Have

Uninsured or Under Insured Motorist coverage (UM / UIM) is not mandatory but provides protection to you the policy holder, resident relatives, and passengers in your vehicle-if involved in an accident with someone who has no liability coverage or just too little insurance to cover your damages.

UM coverage comes in 2 ways – “Stacked” or “Unstacked.”

  • Simply stated, “stacked” multiplies your limits for this coverage by the number of cars you’re insuring. For example, if you have 2 cars in your household and choose stacked coverage, the UM benefit amount is multiplied by 2. Although this increases your premiums, the UM benefits double, thereby providing you with added personal protection.
  • Unstacked limits you to what is documented on the declarations page, regardless of the number of vehicles you own or have insured.

If you are getting a new auto insurance policy or are about to renew your policy, remember to ask about stacked UM coverage!

If you or a loved one has been hurt in an a motor vehicle accident or car crash and are having issues regarding uninsured motorist coverage (stacked coverage or unstacked coverage), or have issues with your insurance company, or are just unsure of your legal rights, contact us here.


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