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Index | Different Articles | What is Unstacked Car Insurance

What is Unstacked Car Insurance

Unstacked coverage protects you and your family with Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage for the stated limit on a per person/per accident basis. In case of an accident Unstacked Car Insurance will provide the limited amount of coverage per person and per accident. Thus you are limited to the UM coverage on the one particular vehicle that was involved in the collision.�

If you have more than one car, it is more profitable to purchase Stacked Car Insurance. Stacked Car Insurance means that you may combine the coverage limits for each automobile insured under your policy. Thus if a person purchases Stacked UM-UIM Insurance, then he/she is entitled to "stack" or add together the combined UM coverages of his/her policy in order to determine the total amount of coverage available. So you may increase the benefits you will get. Limits increase is based on the number of cars you're insuring. However, this increased level of protection raises your auto insurance premium.

The choice of stacked or unstacked car insurance may depend on the state as states vary on how they apply stacking. Some states require stacking, while others permit insurers to provide unstacked coverage.