How does insurance stacking work?

Insurance stacking is a way to get a greater level of coverage than your stated coverage would indicate. The types of coverage commonly stacked are Uninsured and Underinsured Motorist. These coverages cover situations such as hit-and-run, when the other motorist in an accident doesn’t have insurance or if that motorist has insufficient coverage. Stacking allows you to multiply the number of vehicles on your policy by the benefits. For example, if you had $25,000 coverage on two vehicles then when you stacked you would be covered for $50,000. With three vehicles, that number becomes $75,000.

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