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Stacked/Non-Stacked Car Insurance Explained

Stacked Car Insurance

The difference between stacked and non stacked car insurance is in how the policy coverage limits are calculated and defined. Stacked car insurance is an option available to consumers in Florida who own multiple vehicles.

The car owner can increase the amount of uninsured or underinsured motorist coverage he or she has in place by adding the policy limits for each one together. As a result, the car owner has a higher level of coverage for all of his or her vehicles.

Read on to learn all about stacked and unstacked car insurance and then be sure to enter your ZIP above for FREE car insurance quotes!

Uninsured/Underinsured Car Insurance Coverage

Uninsured motorist coverage provides protection to a driver who is injured in an accident where the at-fault driver doesn’t have car insurance. The protection offered by this type of coverage also extends to the driver’s family members who are injured in the accident. Non-related passengers who are in the vehicle are also protected under the insured driver’s uninsured or underinsured motorist coverage.

Instead of looking to the at-fault driver’s car insurance company to pay for damages, including pain and suffering, medical expenses, lost wages and funeral expenses (if the accident was a fatal one), the driver’s own insurance company pays for them, up to the policy limit chosen.

Underinsured motorist coverage comes into play where the at-fault driver has some insurance coverage, but the amount available doesn’t fully compensate the injured person for damages sustained in the accident. In this situation, the other driver’s insurance company will pay out benefits first, up to its policy limit. The underinsured motorist coverage will then top up the amount of coverage available to pay for the rest of the damages. Again, the underinsured coverage will only pay up to its policy limit.

Non-Stacked Car Insurance Coverage

Non-stacked car insurance coverage simply means that an insured driver has the face amount of coverage on the policy. A person who owns one vehicle cannot get stacked coverage; it only applies to multi-car customers. This type of coverage only applies to the uninsured or underinsured motorist coverage, not to other types of insurance protection, such as bodily injury liability coverage, property damage protection, collision or comprehensive insurance.

Stacked Car Insurance Coveragestacked car insurance

When a customer puts stacked car insurance coverage in place then the level of protection on all the vehicles increases. For example, a person who has two cars with $100,000 in uninsured or underinsured motorist coverage on each one chooses to stack the coverage. Under this arrangement, each one of the customer’s vehicles is covered for $200,000.

The level of protection that stacking provides increases by the number of cars that are being stacked in this manner.

Stacking three cars with $100,000 each in uninsured or underinsured motorist coverage means that the owner has $300,000 in protection, no matter which car he or she is operating at the time of the accident.

Stacking car insurance coverage will mean paying higher rates. The benefit of getting a higher level of coverage must be weighed against how much the vehicle owner will have to pay for it. While it may be easy to consider the likelihood of being in a car accident and the chance that the at-fault driver is uninsured or underinsured is relatively small, the fact is that these situations do happen.

What if you don’t live in a state that lets you stack your car insurance?

In the event that you live in a state where stacked car insurance is not available, you will simply need to increase your individual vehicles’ uninsured and underinsured car insurance coverage amounts. According to the Insurance Information Institute’s article on “Compulsory Auto/Uninsured Motorists“, states such as Wisconsin are reducing the monetary amount of liability coverage that motorists need to carry.

While these measures make make it more affordable for some to drive, it will also put countless others at risk.

Unless you live in a state that changes its driving laws to allow policyholders to stack their car insurance policies, you simply will not be able to increase the amount of uninsured and underinsured motorists coverage across the board. Even though underinsured and uninsured motorists coverage is an added cost, you should consider adding it to your policy if you don’t already have it.

Have Adequate Car Insurance


Buying insurance means you are paying for something that you hope you never have to use. If you do need to make a claim against your policy, you will want to be sure that you have an adequate level of protection in place. Ideally, you want to have as much insurance coverage as you can afford.

Your policy will pay out benefits, but only up to the policy limit. If the accident is severe enough and you need a high level of medical care and will be unable to work for a time, you will be glad that you invested in a policy that provides the level of benefits you need. Stacking your uninsured or underinsured motorist coverage can give you this protection.

The best way to find a good rate for stacked car insurance is to shop around and consider various options. If you get quotes from several car insurance companies, you can compare rates and coverage levels to make the right choice for your needs. Since each insurance company offering stacked insurance has its own criteria for setting rates, the amount you would be expected to pay can vary greatly. Taking the time to compare rates can pay off in better rates. The insurance quote tool on this page can help you; all you need to do to get started is enter your ZIP code below!

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