Should i reject stacked limits

Each vehicle on a policy has a bucket of coverage. If the policy holder or a covered resident relative are injured by an uninsured driver, there is only the one bucket of coverage available for the vehicle involved in the accident. Now, use this same example but change the coverage to stacked uninsured motorist. All buckets of coverage are stacked together to give three times the amount of coverage to the one car involved in the accident.

Please keep in mind that the stacked limit will change if the number of vehicles on the automobile policy changes. A quote for this important coverage is simply a quick phone call to us. Call today to speak with an experienced member of our team. Attorney Profiles.

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Stacked insurance coverage limits are only applicable when more than one car is insured. In a worst-case type of accident, stacked limits can be a lifesaver and are worth the small cost you pay when comparing stacked vs unstacked auto insurance. Stacked underinsured motorist coverage UIM protects you in the case that a driver without enough insurance causes an accident. Stacking adds UIM bodily injury coverage limits together between multiple cars that you own.

The state has a high rate of uninsured drivers, and those drivers can stick you with the bill for an accident. In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.

Apr 05, at pm ET. By : motor1. Advertiser Disclosure Car insurance is confusing. How Does Stacked Insurance Work? What Is Stacked Insurance? Pros Cons More affordable Must purchase high limits to be protected against expensive accidents Available in any state and from any insurance company Same coverage with more vehicles insured.

Is stacked insurance worth it? Do I need stacked insurance if I have one car? Should I reject stacked limits?