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Uninsured Motorist Coverage: Stacked vs Non-Stacked

Uninsured Motorist Coverage: Stacked vs Non-Stacked

accidentYou are probably familiar with the term Uninsured Motorist (UM), which is an extremely important auto insurance coverage that provides protection for an insured when they are in a collision with an uninsured or underinsured driver. After realizing the importance of carrying Uninsured Motorist Coverage, most individuals opt to purchase the added layer of protection. However, selecting which type of UM Coverage to purchase is often times puzzling for many drivers.

Uninsured Motorist Coverage comes in two forms: Stacked UM and Non-Stacked UM. There is a significant coverage difference between the two forms, of which many people are unaware. The non-stacked form has an exclusion stating that the insured can’t collect UM while occupying a vehicle owned by the insured, but not covered for UM under the policy. This is fairly cut and dry, however there are several scenarios where the exclusion comes into play.

If you have a part-time residence in another state and have a second vehicle insured in that state, but don’t have uninsured motorist coverage on that vehicle, you are still eligible for Uninsured Motorist protection as long as you have Stacked UM coverage on your Florida Auto policy. Additionally, many people insure their motorcycle on a separate policy and opt out of UM coverage due to the high cost on those types of policies. The same principle would apply and protection could be granted for bodily injury in the event of an accident with an uninsured motorist as long as you have stacked UM on your personal auto insurance policy.

The importance of Uninsured Motorist coverage should not be overlooked as accidents are routinely caused by uninsured and underinsured drivers. Aside from an initial selection of the Uninsured Motorist coverage, careful consideration should also be given to which type of UM coverage best fits your needs. If you are uncertain of whether to obtain Stacked or Non-Stacked UM, consult with a licensed Insurance Professional who can help solidify the most suitable insurance program to ensure that you and your loved ones are properly protected.




Moore Resources is an Independent Insurance Agency located in St. Petersburg, FL and offering Homeowners Insurance, Auto Insurance, Personal Insurance and Business Insurance. Our reach extends beyond the Tampa Bay area to the entire state of Florida. Moore Resources has regionally been dedicated to serving the local residents of Pinellas, Hillsborough, Polk, Pasco, Manatee and Sarasota counties; including St. Pete, Tampa, Clearwater, Bradenton, Brandon, Dunedin, Gulfport, Lakeland, Largo, Lutz, Palm Harbor, Pinellas Park, Riverview, Ruskin, Seffner, Seminole, Temple Terrace, Tierra Verde, Town n Country, and the Gulf Coast Beaches.

The purpose of this blog is to present general information only. It does not interpret specific policies or coverage. In order to obtain detailed information regarding your insurance, contact a licensed insurance agent.