What is stacking of uninsured motorist coverage?
Where you insure more than one vehicle, stacked uninsured motorist coverage allows the limits to be combined rather than capped at one vehicle's amount.
The arithmetic. Three vehicles with $50,000 in stacked UM coverage each may provide $150,000 available for a single claim, rather than $50,000.
Stacked versus non-stacked. Florida allows insurers to offer non-stacked coverage at a lower premium, and it must be selected in writing. Many people have non-stacked coverage without recalling the choice.
Why it matters more in Florida than most places. Because bodily injury liability isn't generally required, UM is frequently the only meaningful source of recovery in a serious crash. Stacking multiplies exactly the coverage most likely to be needed.
Check your declarations page for whether your UM is stacked and at what limits. It's one of the few coverage decisions where the additional premium is small relative to the exposure.
Pull your declarations page and look for the word "stacked." It's worth knowing before you need it. ---
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