Stacking auto insurance coverage usually applies to insured and uninsured motorist bodily injury coverage.
How Does Stacking Coverage Work?
In most cases, you can only stack coverage if you are getting auto insurance for more than one car. By stacking the coverage, you are able to incrementally increase the coverage for each car that is included in the coverage. For example, if you have 2 cars that are covered and the coverage limits are $50,000 (insured) and $100,000 (uninsured), you would be able to increase the coverage to $100,000 (insured) and $200,000 (uninsured) by stacking the insured and uninsured motorist bodily injury coverage. For 3 cars, the coverage would increase to $150,000/$300,000.
Stacking coverage will result in increased premiums along with increased coverage.
Uninsured Motorist Bodily Injury Coverage
The benefit of having uninsured motorist bodily injury coverage is that should you be hit by a hit and run driver or an uninsured motorist, medical expenses, damages and even accidental death that are incurred by you or your passengers will be covered under your policy.