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Stacking vs. Non-Stacking UM Coverage
Where does Tampa rank on safest city list?
UM: Uninsured or Underinsured Motorist
The most important difference between the two is that Stacking will provide more coverage if you are insuring more than one car.
Uninsured or Underinsured Motorist coverage is arguably the most important kind of coverage you can get on your automobile insurance policy.
Bodily Injury coverage provides compensation to those injured in an accident, when the accident is the fault of the policy holder. So if you injure another driver (or even your own passenger), the injured party can bring a claim against you. In that event, your insurance company would step in to handle the claim for you. However, your insurance company will only protect you up to the limits of your BI coverage.
This is optional coverage over and above your PIP benefits. Medpay is also no-fault insurance, and will pay for the 20% medical bills uncovered by PIP up to the amount of your Medpay coverage limit. Some policies carry $5,000 in Medpay, while others carry $2,000 or $10,000. The amount you purchase, or whether you purchase it all, is completely up to you.
All Florida automobile insurance policies carry PIP coverage, otherwise known as Personal Injury Protection benefits. These are no-fault benefits, so whether or not you were at fault for an accident, you are entitled to this coverage.