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

No Comments