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Home > Blog > Stacked UM vs Non-Stacked Coverage
WEDNESDAY, JUNE 29, 2022

Stacked UM vs Non-Stacked Coverage

See the difference between Stacked and Non-Stacked Coverage

 

Stacked UM Pays? Non-stacked UM Pays?
UM is rejected No No
Can UM limits be combined? Yes No
Injured in a car you own & insure on this policy Yes Yes
Injured in a car you own but insure outside of FL on another policy Yes No
Injured in your classic car insured on this policy Yes Yes
Injured in a classic car insured on a different policy Yes No
Injured in a car you own but insured on a different policy Yes No
Injured in a car you own but you don't have insurance on that car Yes No
Injured in a car you DO NOT own. That car IS NOT available for your regular use Yes Yes
You are insured in a car you DO NOT own. That car IS available for your regular use Yes No
Injured on a motorcycle insured on this policy Yes Yes
Injured on a motorcycle insured on a different policy Yes No
Injured on a motorcycle you own but don't have insurance on it Yes No
Cost of UM Coverage More expensive than Non-stacked  Less Expensive than Stacked coverage

 

 

 

Posted 1:05 PM

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