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What is the difference between stacked and non-stacked uninsured motorist?

I’m trying to decide if the stacked option is worth the extra price and I’m not sure of the difference.

Agent Answer

Neil Richardson

The Non-stacked option in Pennsylvania just means that your coverage against uninsured motorist applies up to the limits listed on your policy. The Stacked option means that your uninsured motorist coverage is multiplied by the total number of vehicles listed on your policy. If you have 3 vehicles insured with the stacked option then your uninsured motorist coverage is 3 times the limit listed on your policy.

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