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What Is Stacked UM or Uninsured Motorist Insurance?

The topic of this video is going to address a question we get often is what is stacked UM insurance. Essentially, stacked and assurance means that there are two separate vehicles on the same policy are under the same policy number and those vehicles are able to get the benefit of both the insurance coverages. So for example, if someone had a $25,000 you m policy that was stacked, meaning there’s two vehicles on the policy at each vehicle had $25,000 of UM stack. Then if one vehicle gets in the accident and you m insurance is going to have to cover that one vehicle for that one accident, actually instead of having $25,000 in coverage has the full 50. So that’s the stacking effect that we see in UN stacked insurance. It’s very important to understand stack versus non stack because when we’re looking at the total amount of potential insurance available to a client, we want to make sure that we have as much potential money in that pot to take care of our clients.

Medical needs, injuries, et Cetera, lost wages. Um, and so the stack versus non stack is a very important nuance and a something that you need to look at when you’re obtaining insurance and consider a is that going to be better for your family, is going to be better for you to have stock versus non stack. Obviously, if there’s going to be more than one vehicle on a single policy or under a single policy, uh, I would strongly recommend looking at stacking those policies because you’re going to get the benefit of both of those insurance, uh, stack limits. If you have any questions, feel free to give us a call, set up an appointment, we’d be happy to talk to you about you have insurance, bodily injury insurance, and whether or not you’re adequately covered. Yeah, if you have any questions regarding those issues, feel free to give us a call.

*The above has been transcribed by a third party service and has not been checked for accuracy.

Contact a Personal Injury Attorney

If you or a loved one have been injured in an accident, then you should take the proper measures to ensure you receive the compensation you deserve. Contact St. Petersburg Personal Injury Attorneys McQuaid & Douglas today and speak with an attorney. For over 60 years our firm has been successfully helping people who have been injured due to someone else’s carelessness. We have been nationally ranked for decades by US News and World Reports as a Tier 1 law firm, which is the highest ranking that can be received. Sean McQuaid and Jonathon Douglas have dedicated their careers to continuing the firms legacy of superior legal representation.

Remember that we never charge a fee, unless we win. Call us today at 727-381-2300 so that we may answer your questions, help you navigate the complexities of insurance claims, and recover the compensation that you deserve.

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Sean McQuaid and Jonathon Douglas were voted best personal injury attorneys in Saint Petersburg, Florida for 2019.

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