Personal Injury Law
Personal Injury Law Question? Ask Personal Injury Lawyers.
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Stacking is a policy feature that multiplies your uninsured/underinsured policy limits by the number of cars on the policy. So when you have several cars on one auto insurance policy, they are "stacked", meaning you can collect the uninsured/underinsured motorists (UM/UIM) coverage of all the cars if there is an accident. So if you have three vehicles in a stacked policy, you can multiply the coverage times three. But this deals with hit and run collisions and when someone hits you who has no auto insurance coverage or is underinsured. This would not apply to a situation where someone is driving alone and hits a tree because the driver would be at fault. I hope this helps.
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