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Stacking Coverage

When it comes to insurance policies uninsured motorist coverage, we often hear the terms "unstacked" and "stacked" to describe uninsured motorist coverage. Stacking comes in two different forms, and in general it occurs when two or more uninsured motorist policies are available to the injured person to recover for their injuries.

One form of stacking occurs when a person is injured in a car accident and is eligible to collect under two or more separate policies. They may be covered under their own policy and under the coverage of the vehicle they were traveling in. The other form of stacking occurs when an injured person is insured under a policy that covers two or more vehicles and is permitted to combine or "stack" the coverage for each vehicle insured under the policy. For example, if a policy provides for uninsured motorist coverage of $25,000 and insures two separate vehicles then there is $50,000 of uninsured motorist coverage available to the insured.

It is important, especially in a personal injury case involving uninsured motorist coverage, to review the insurance policies for each individual and each vehicle involved in an accident. A careful review of these policies may reveal that more coverage is available to the injured person to pay for their damages

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