Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect yourself and your family in the event of an automobile accident. Stacked UM Insurance allows you to “stack” the amount of coverage carried on several vehicles. For example, if you carry Stacked UM Insurance on three cars with coverage of $100,000 per car, you can stack the coverage available under the three policies, allowing you to receive up to $300,000. The amount of UM coverage that you wish to keep on each vehicle is your decision. If $300,000 seems excessive, you may opt for less coverage. The only requirement is that each vehicle carries the same amount of coverage. Just remember that it is better to have too much coverage than not enough coverage, and $10,000 is far too often not enough.
Stacked UM Insurance is also the better choice for motorists with only one car because the coverage “follows” the motorist. In other words, you are covered if you are a passenger or are driving someone else’s car, or if you are injured by a vehicle while riding a bicycle or walking. By contrast, Non-Stacked UM Insurance only allows you to recover under your policy if you are involved in an automobile accident while in your insured vehicle.
For more information on Stacked Uninsured Motorist Insurance, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling 727-827-7777 today.