Why Stacked Uninsured Motorist Coverage is Important to You and Your Family

  • Posted by: David Scott
  • Category: Uninsured Motorist
The Law Office of Teresa P. Williams, Clearwater, FL, Stacked Uninsured Motorist Coverage

Florida has one of the most significant numbers of uninsured or underinsured drivers in the entire country. As a result, we think having uninsured motorist coverage is essential. If you own more than one car, there is a way to combine liability coverage limits on multiple vehicles to protect yourself and your family from damage caused by an uninsured or an inadequately insured person. You can do that using stacked insurance coverage. Learn about stacked uninsured motorist coverage, how it works, its pros and cons, and how it can ultimately provide peace of mind if you are in an accident with a negligent driver who either has no insurance or a $10,000 liability policy.

Stacked Uninsured Motorist Coverage – How Does it Work?

Stacked insurance allows you to combine the policy limits from multiple vehicles you own. The following ways explain stacking insurance coverage:

  • One policy listing multiple vehicles. The limits of uninsured motorist coverage can be combined across automobiles to create a higher limit, providing more insurance coverage in the event of an accident.
  • Separate or individual policies with multiple vehicles listed. The policy limits for each uninsured/underinsured motorist coverage can be combined, providing more coverage in an accident with an uninsured motorist, depending on the policy and insurance carrier(s).

If you are insuring more than one car, it provides better coverage in the event of an accident, increasing your protection and minimizing your out-of-pocket expenses.

Pros and Cons of Stacked Uninsured Motorist Coverage

Stacking insurance coverage is an important decision for the financial well-being of you and your family. Here are some key points to consider:


  • Stacked uninsured motorist insurance offers better financial protection against uninsured motorists than unstacked coverage, providing the security of knowing you have protected yourself and your family up to the limits of coverage you choose and it is there when you need it.
  • Florida is one of 32 states that allow individuals to stack uninsured motorists’ coverage.
  • Even with one vehicle you can purchase stacked coverage that expands your policy benefits.
  • Uninsured motorist coverage not only provides for medical bills but also covers lost wages and pain and suffering.


  • Stacked policy premiums may be slightly higher than unstacked policies.
  • Multiple vehicles are required to stack coverage.

Remember: While unstacked insurance is usually cheaper than stacked insurance, it also offers lower coverage limits and this ultimately may not be the best long-term approach for your family.

Which is Best for My Family? 

One in four Florida drivers is uninsured or without liability insurance coverage, making Florida the 6th worst state for uninsured motorists. These indicators weigh heavily as to why stacking insurance is a good idea. We would also recommend that you consider adding and/or increasing your uninsured motorist coverage to the maximum limits if you can.

Stacked Uninsured Motorist Coverage Can Protect Your Family In The Event Of An Auto Accident

If you are suffering from an auto accident injury, have problems with the claims process, or have questions about uninsured or underinsured motorist coverage, schedule a free consultation with the Law Office of Teresa P. Williams at (727) 796-2706 today or contact us on our website here to discuss your options.

Do not wait until you or a family member suffers a car accident to take the next step in securing peace of mind, both with solid legal guidance and proper auto coverage.

Author: David Scott