HOW ARE YOU STACKED?
Maximizing your PAauto insurance coverage options
One of the things you must decide when you choose your auto insurance coverage is whether you are going to stack coverage. What does this mean? Stacking allows you to “stack” UM (Uninsured Motorist) coverage and UIM (Underinsured Motorist) coverages, either on other policies, or, if you have more than one car on the policy in question, on that policy.
This means that if you are in an accident which gives rise to a claim under these coverages, you are allowed to multiply the coverage by the number of cars stacked in the policy. For example, you have three cars, all insured under the same policy. You have chosen stacked coverage. The limit for the coverage is $100,000. Therefore, if you are in an accident involving the UM or UIM portions of your auto coverage, you can collect up to $300,000.00 on the policy(ies) in question. If you did not stack coverage, you would be limited to the single $100,000.00 coverage.
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