Protect Your Family – We Can Review Your Auto Policy
DON’T DO THIS – REJECT COVERAGE
Once you choose Uninsured/Underinsured Motorist (UM/UIM) coverage, you have the ability to choose to stack it or not. The difference can significantly affect the amount of protection available to you and your family after a serious crash.
Stacked UM coverage can increase the amount of available coverage based on the number of vehicles insured under your policy, depending on the terms of your policy and the circumstances of the crash. For example, if you insure two vehicles and carry $100,000/300,000 in UM coverage, stacked coverage may provide up to $200,000/$600,000 in available benefits. Stacking can also provide important protection when you are injured while occupying a vehicle other than your own.
Unstacked UM coverage generally limits your protection to the UM limits shown on your policy, regardless of how many vehicles you insure. Although unstacked coverage may cost less, it can provide less protection when you need it most.
UM/UIM coverage is designed to protect you, resident relatives, and passengers who qualify under the policy when you are injured by a driver who has no insurance or not enough insurance to cover your damages.
When reviewing your auto insurance, don’t simply ask whether you have UM coverage. Ask whether it is stacked or unstacked, what your limits are, and what protection applies to you and your family.
Don’t wait for a crash to discover what’s in your fine print. Take action today: pull out your Declarations Page and review your UM limits and stacking status before your next policy renewal. If you’re unsure whether your family is fully protected, call Murray Guari Perry Trial Attorneys at (561) 366-9099. We are happy to help you review your policy for free so you can drive with complete peace of mind.
