Should I have “stacked” or “unstacked” uninsured or underinsured motorist coverage?
Stacked coverage provides the most insurance protection, and it is often only a few dollars more per year to get stacked coverage. With stacked coverage, the underinsured or uninsured motorist coverage on each one of your automobiles is added together. Additionally, the uninsured or underinsured motorist coverage of anyone who lives with you to whom you are related is also added to your available benefits. This means that in some situations, there may be two or more policies of uninsured and underinsured motorist coverage that would be available to compensate you if you are injured by someone without insurance or without enough insurance.
