Stacking car insurance coverage benefits consumers by allowing them to get the benefit of a higher level of coverage under an uninsured and underinsured motorist liability policy. This is an option for people who want to arrange coverage for more than one vehicle. Stacking the coverage for two or more cars means that the policyholder can double or even triple the level of coverage available to pay for personal injuries
Uninsured motorist coverage is not required in all parts of the United States, but it is a good idea for drivers to put it in place anyway. It pays for personal injury claims when the at-fault driver does not have any coverage in place or cannot be identified, such as when the accident was a hit and run.
Underinsured motorist coverage comes into play when the at-fault driver in an accident has some liability in place, but the policy limit is not high enough to pay for the damages caused in an accident. The at-fault driver’s insurance coverage is used first (up to its policy limit) and then the underinsured motorist coverage is used to make up the difference (up to its policy limit).
Stacked car insurance coverage for two vehicles means that the uninsured/underinsured motorist coverage is doubled for each vehicle. A driver who has a $100,000/$300,000 policy in place who stacks the coverage on two cars will effectively have $200,000/$600,000 in coverage.