Stacked Uninsured Motorist Coverage, What is it?

Stacked uninsured motorist coverage for your vehicle in an amount equal to your bodily injury coverage is important. Insurance agents may tell you that you do not need this coverage even if it is inexpensive. If they do, ask if they are working for you or working for the insurance company.

Uninsured motorist coverage applies if someone causes a car accident and injures you but have no insurance or very little insurance. The easiest way to explain it is to list the types of coverage in Florida:

  • Bodily Injury liability coverage – it pays money if you cause a crash and hurt someone else. Unbelievably, this is not required of most vehicle owners in Florida.
  • Property damage coverage – it pays money if you cause a crash and damage property.
  • Personal injury protection – it pays $10,000.00 for your medical bills and your wage loss regardless of who causes the crash. It is like a small health insurance policy. If you did not cause the crash, your rates will not increase unless you have had three crashes in a five year period.


It covers your medical bills, wage loss, and money for your suffering after the $10,000.00 personal injury protection is exhausted and after the at-fault driver has confirmed there is no insurance or has offered the very little insurance to pay your bills.

Why is uninsured motorist coverage important?

Well, few drivers have bodily injury coverage and $10,000.00 is often less than the emergency room bill. Florida law does not require most people to have bodily injury liability coverage for injuries they cause. Sadly, many drivers in Florida do not purchase bodily injury liability coverage. This leaves you with personal injury protection of $10,000.00. One trip to the emergency room can cost $15,000.00. This leaves many people without money to pay the entire hospital bill, future doctor appointments, and wage loss. So, if you miss six months from work after an ankle surgery, how will you live? Who will pay for the $40,000.00 in surgery bills? Health insurance often delays paying on bills because they were caused by a vehicle crash.


Insurance agents may tell you that you do not need uninsured motorist coverage, or that you do not need much of it. Why would you protect other people more than you protect yourself? Why would you have more bodily injury liability coverage than uninsured motorist coverage? The insurance company may want you to have less uninsured motorist coverage so the insurance companies can save their money. It is more likely that a careful driver will be a victim of a bad driver. Hence, the insurance companies may be happy to sell you bodily injury liability coverage, which you may never use, because you do not cause a crash. But, they may be hesitant to sell uninsured motorist coverage because you are more likely to be a victim and need reimbursement. Discussions with a car accident lawyer may help to fully understand what insurance you should be carrying, based on their experience. More insurance is usually not expensive.

In summary, insurance companies may want you to buy uninsured motorist coverage but they do not want you to buy much because the premium for good coverage is not much more and the insurance company is more likely to have to actually pay a claim.

In our opinion, your uninsured motorist coverage should be “stacking” and in an amount equal to your bodily injury liability coverage. Stacking coverage increases in amount for each vehicle you insure. This option is usually not much more in premium charges and can dramatically increase your coverage. Stacking also protects your relatives that live with you and you if you are on a motorcycle.