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Stacked UM vs Nonstacked UM

Stacked UM vs Nonstacked UM

What is the difference between stacked uninsured motorist coverage (S-UM) and non-stacked uninsured motorist coverage (NS-UM)?

The quick answer is get stacked! S-UM rules. NS-UM drools.

The longer answer is stacked uninsured motorist coverage is a premium version of a coverage that is meant to help pay medical bills, rehabilitation costs, loss of wages, pain and suffering, and more. Non-stacked uninsured motorist coverage is similar and it can do some of the same things but it is much more limited both in the amounts you can purchase and the scenarios where it will actually pay. The coverage usually responds when the at-fault driver has no insurance or does not carry enough insurance to pay for the benefits that they are legally required to pay.

This is one of those crucial situations you will want to listen to your insurance agent's advice.

Stacked uninsured motorist coverage has a feature that can double, triple, quadruple, and so forth your coverage limit based on the number of vehicles you own and insure. That means you can carry a lot of insurance on a policy that typically has low caps on policy limits they let you buy. Not only that but the coverage is portable to other vehicles that are not even owned or insured by you.

Then you add the fact that Florida has one of the highest rate of both uninsured and state minimum limits drivers, this is a clear cut case when the additional cost of the premium version is definitely worth it.