A common question we get about auto coverage is the difference between stacked and unstacked uninsured motorist coverage. Here is an explanation:
Difference between Stacked and Unstacked Uninsured Motorist Coverage
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage). If you have 3 cars, you collect from all three vehicles (tripling coverage).
Unstacked means separate and you only collect from the vehicle you are in at the time of the accident.
Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium.
Difference between Stacked and Unstacked Uninsured Motorist Coverage
Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage). If you have 3 cars, you collect from all three vehicles (tripling coverage).
Unstacked means separate and you only collect from the vehicle you are in at the time of the accident.
Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium.
Varsity Insurance
12412 San Jose Blvd. Suite 201
Jacksonville, FL 32223
904-268-6365
Picture by: Exhibition of Jean-Michel Folon.
Forte Belvedere, Firenze.See More
Forte Belvedere, Firenze.See More
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