What is the Purpose of Stacking Uninsured Motorist Coverage?

January 3, 2011

Policy holders engage in stacking uninsured motorist coverage in order to combine multiple benefits in the event of an accident. Policy subscribers can stack benefits on multiple vehicles or between different types of coverage. For example, a driver who has $50,000 uninsured protection for each of 3 vehicles may receive a payout of up to $150,000 in damages from an accident an uninsured driver causes. Some states have laws against claimants stacking uninsured and underinsured coverage. For example, Arizona. "Connecticut Uninsured and Underinsured Motorist Coverage Issues", a piece in FindLaw, mentions stacking may take 2 forms. "Inter-policy" means combining coverage for separate vehicles in separate polices, while "intra-policy" stacking means combining coverage for vehicles in the same policy with separate premiums.