Stacked and Non-Stacked Uninsured Motorist Coverage

Answer:

If you’ve elected to purchase uninsured/underinsured motorist coverage, you have to make an election to select either stacked uninsured motorist coverage or non-stacked. The difference is essentially this – if you select non-stacked uninsured motorist coverage in an amount of, say, $50,000, and you have a motor vehicle accident with an uninsured or underinsured motorist, then your maximum recovery would be $50,000. If you elected stacked coverage and you have multiple vehicles on your policy with $50,000 in coverage, then you can stack the coverages on each of those car policies so that your maximum recovery, in this hypothetical, would be $150,000. It’s essentially a way for you to, at a very reasonable price, have additional uninsured motorist coverage available if you’re struck by an uninsured motorist or an underinsured motorist in Florida.