Call Us (561) 994-0880 ☰ ˟
(561) 994-0880 info@parkassociates.com
Park & Associates
Client Portal  Request a Quote
  • HOME
  • ABOUT US
    • About Us
    • Employee Directory
    • Location Map
    • Privacy Policy
    • Testimonials
    • Giving BackImage of right arrow
      • Mission Trip to Haiti
  • CUSTOMER SERVICE
    • Client Portal
    • File a Claim
    • Request Declaration and Coverages
    • Request ID Card for Auto Policy
    • Request Proof of Insurance
  • MAKE A PAYMENT
  • RESOURCES
    • View our Blog
    • Insurance Glossary
    • Newsletter Archive
    • Refer a Friend
    • Request A Quote
    • Proof Of Insurance
  • CONTACT
    • Contact Us
    • Join Our Newsletter
    • Join Our TeamImage of right arrow
      • Join Our Team
Association Insurance Icon Business Insurance Commercial Real Estate Insurance Icon Association Insurance
Preschool Insurance Icon Preschool Insurance
Contractor Insurance Icon Contractor Insurance
Homeowners & Car Insurance Icon Automobile Insurance Flood & Umbrella Insurance Icon Homeowners Insurance 
Home > Blog > Uninsured Motorist Coverage Comes in Two Forms: Stacked and Non-Stacked
TUESDAY, NOVEMBER 3, 2020

Uninsured Motorist Coverage Comes in Two Forms: Stacked and Non-Stacked

Many people are unaware of the significant coverage difference between the two forms. Stacked benefits always gives you, the insured, the benefit of the broadest uninsured motorist coverage.

Stacking your uninsured motorist coverage means you are able to collect uninsured motorist coverage from more than one car on your policy. For example, say you have two cars on the same policy and  carry $25,000 stacked uninsured motorist coverage. With stacked uninsured motorist you can combine your uninsured motorist coverage limits for a total of $50,000. Stacking your uninsured motorist coverage raises the potential amount of coverage you can collect in case of an accident with an uninsured or underinsured driver.

If your uninsured motorist coverage is non-stacked, you are not able to combine limits from other vehicles on your policy. For example, if your non-stacked uninsured motorist limit is $25,000, you may only receive up $25,000, policy limit.

Other examples of benefits of stacked uninsured motorist coverage vs. non-stacked uninsured motorist.

-You obtain a second vehicle and do not call your insurance company within the allowable reporting period. Three months later, you are hurt in your new vehicle by an uninsured motorist.. Your injures would not be covered by non-stacked coverage. Stacked coverage would respond.

-You are a “snowbird” who owns one vehicle in Florida with limits at $300,000 non-stacked uninsured motorist and own another vehicle up north. Uninsured motorist coverage was rejected on the vehicle located up north. You are injured by an uninsured driver while driving vehicle located up north. The Florida non-stacked coverage will not respond. Stacked coverage would respond.

Contact Park & Associates today at (561) 994-0880 to ensure you are covered for these types of exposures.

Posted 2:32 PM

Tags: auto insurance stacked and non-stacked coverage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017

  • park and associates(28)
  • coverage(14)
  • business insurance(12)
  • insurance(11)
  • home insurance(9)
  • protection(7)
  • auto insurance(5)
  • car insurance(5)
  • commercial property insurance(3)
  • community association(2)
  • epli(2)
  • crime coverage(2)
  • park & associates(2)
  • cyber liability insurance(2)
  • workers compensation insurance(2)
  • condo association insurance(2)
  • building ordinance & law coverage insurance association(2)
  • general liability insurance(2)
  • renters insurance(2)
  • homeowners association insurance responsibilities(2)
  • 2020 covid-19 insurance high premium cyber attacks and insurance(1)
  • insurance rates high; florida; homeowners rates(1)
  • how to calculate business income property insurance(1)
  • hurricane tips florida storm(1)
  • workers compensation(1)
  • property owners insurance coverage needed building ordinance or law(1)
  • personally identifiable information(1)
  • environmental impairment liability insurance pollution(1)
  • employeer liability(1)
  • valentines day(1)
  • texting(1)
  • reading(1)
  • professional(1)
  • financial(1)
  • how insurance companies determine your premium for your home property(1)
  • holiday season hazards fire cooking christmas lights(1)
  • business income property insurance(1)
  • sole proprietor(1)
  • employee accident(1)
  • jewelry(1)
  • commercial auto insurance(1)
  • extortion ransomware association cyber liability insurance(1)
  • swimming pool(1)
  • insurance disclosure information risk exposures(1)
  • bop(1)
  • risks(1)
  • kitchen home fire and insurance coverage(1)
  • small business(1)
  • ho3 and h06 insurance coverage difference(1)
  • cyber insurance(1)

View Mobile Version
Park & Associates
Quick Links
Home Our Products Customer Service Make A Payment Report a Claim
About Us Refer A Friend Our Carriers Blog Contact Us
Location
5255 N Federal Hwy.
Suite 200
Boca Raton, Fl 33487

Phone: (561) 994-0880
Fax: (561) 994-1740
Email Us

TrustedChoice
Facebook Twitter
Licensed In The Following States: Florida
Please Read Our Privacy Policy
Copyright © 2009-2019 Park & Associates, Inc.
All Rights Reserved.


Powered by Insurance Website Builder