What does stacked uninsured motorist coverage mean?

Answer 1

Uninsured motorist coverage is usually listed in ways such as 10/20, 25/50, etc. That means $10,000 per person, $20,000 max per accident. This coverage is for each vehicle on the policy. If you stack the coverage and have 2 cars, you can collect the coverage from both vehicles on your policy if you have a claim (therefore doubling your coverage--$20,000 per person/$40,000 per accident). If you have 3 cars, you collect from all three vehicles (tripling coverage).

Unstacked means separate and you only collect from the vehicle you are in at the time of the accident.

Stacked coverage is more expensive, but is a great way to get additional coverage for a relatively small increase in premium.

If you only have one car--you want to choose unstacked. Otherwise you pay more with no additional benefit