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Stacking vs. Non-Stacking UM Coverage

The most important difference between the two is that Stacking will provide more coverage if you are insuring more than one car. In Florida, you can purchase Stacking coverage for one policy or spread it across multiple policies with the same insurer.

For example, let’s say you are insuring two cars and you want $50,000 of UM coverage on each. If you elect Non-Stacking coverage, only $50,000 will be available in UM. However, if you purchase Stacking, you will be insured for $100,000 even though your BI coverage only needs to be $50,000.

There are also differences between Stacking and Non-Stacking when you are a passenger in someone else’s automobile. In the end, even if you are only insuring one vehicle, it pays to purchase Stacking UM coverage, especially given that usually the difference in price is relatively small.

At Mickey Keenan, PA, we understand that deciphering insurance policies and dealing with insurance companies can be confusing, time-consuming, and challenging. When you are injured through the fault of another driver, we are here to answer your questions and help you achieve maximum recovery for your injuries.