Stacking
Insurance Glossary
Combining uninsured or underinsured motorist limits across several vehicles, or across several policies, so one claim can draw on more than one limit. A policy covering two cars with stacking might make twice the coverage available after a crash with an uninsured driver. Whether stacking is allowed, whether an insurer may charge for it, and whether it can be waived in writing are all set by state law, and stacked coverage costs more than unstacked.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.