Stacking Uninsured / Underinsured Motorist Coverage

Posted in Auto Insurance

March 17th, 2009

There is probably nothing worse than being in a car accident and lacking the funds to cover it. Auto insurance rates can be high, but you know you need it. Depending on your state, you may catch a break in the form of a stacked insurance clause in your auto insurance policy.

Why Stack Auto Insurance?

Stacking your auto insurance is a great way to protect yourself against a collision with an uninsured or underinsured driver. By stacking your auto insurance, you will be protected by moremore than oneauto insurance policy in order to qualify for a full reimbursement for personal injuries and property damage incurred by the accident.

When You Can Stack Car Insurance

By stacking your uninsured/underinsured motorist coverage you will legally be entitled to collect reimbursement for your injuries or damage more than once within the same policy or among multiple policies you hold. Stacking can occur for two reasons:

1. If you have uninsured/underinsured motorist coverage onmultiple cars and your claim exceeds the value on one policy, you can collect the limit on as many vehicles as necessary to recuperate the full brunt of your losses
2. If you have multiple uninsured/underinsured motorist coverage policies under different insurers, you can make a claim under each policy torecuperate the full brunt of your losses

Not all states allow auto insurance stacking and if they do, the rules may differ from one state to another.

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