What Does Stacking Mean In Regards To Auto Insurance?


Auto insurance stacking is a method of increasing your coverage for bodily industry in your insured or uninsured driver policies. Stacking only applies if you have more than one vehicle covered under the policy. Only twenty states allow insurance stacking, and many have different rules as to what types of policies can be stacked. Check with your insurance agent or do some research yourself in order to determine if it is allowed in your state.

What Exactly Is Auto Insurance Stacking?

Stacking is a method of increasing insured and uninsured motorist bodily injury coverage for each cars under your policy. Let’s say that you have two cars covered under your policy with bodily injury covered up to 50,000 per individual and 100,000 per accident involving an uninsured driver. By selecting stacking, your coverage would double to 100,000 per individual and 200,000 per accident involving an uninsured driver. If you have three vehicles and select stacking, coverage would triple! Individual bodily injury coverage would jump from 50,000 to 150,000, and per accident bodily injury coverage would go from 100,000 to 300,000. Of course, this increase in coverage does not come for free. You premium would go up.

So Why Stack Auto Insurance Coverage, and How Do I Do It?

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Most people who stack their coverage do so in their uninsured driver policy to help protect themselves against uninsured drivers. Getting into an accident with an uninsured driver in which you or one of your passengers is severely injured can leave you holding the bag on massive medical bills. Stacking your coverage is quite simple. Just call your insurance agent or company and ask if insurance stacking is allowed in your state. If it is, review your current policies and determine whether or not stacking would be cost-effective. Finally, just select stacking as the option.

Related posts:

  1. What Is Car Insurance Stacking?
  2. What Is Car Insurance Stacking?
  3. Does My Car Insurance Claim Cover My Medical Expenses?
  4. What Is Uninsured And Underinsured Auto Insurance?
  5. What Happens If I Cancel My Car Insurance?

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