What Does It Mean for Uninsured Motorist Coverage to be 'Stacked'?

Uninsured or underinsured Motorist coverage protects you or a family member if you are injured in an car accident with a driver who has no, or very little, bodily injury liability coverage. Despite common perceptions, Florida law does not require drivers to purchase bodily injury coverage.

Under Florida law, if you elect to carry uninsured - underinsured motorist coverage (usually referred to as "UM"), your insurer must offer you "stacking" UM coverage. Stacking UM coverage allows you to combine the limits of the UM coverage on each of your vehicles. If you have two cars and a stacking UM policy, then your UM limits will be doubled.

We see a lot of unfortunate situations in which a client suffered serious personal injuries due to a driver that had little or no coverage. In fact, some of the most irresponsible drivers cannot afford the increased premiums that result from their prior accidents and tickets. In these situations, it is critical that the client have purchased UM coverage, or else they might not receive any compensation whatsoever for their personal injuries, lost wages and medical expenses.

Our recommendation: buy as much UM as you can reasonably afford and choose the stacking option if you have more than one car insured.