sharminlaw

Difference Between Stacked and Non-Stacked Coverage and Your Palm Beach County Car Accident: Part I

Stacking occurs when an insured involved in a West Palm Beach car accident combines uninsured motorist benefits (UM) from more than one source.  There are two ways this occurs.  First, an insured covered under two or more policies may combine or stack the UM coverage from each policy. Second, an injured party involved in a Palm Beach County car accident who is insured under one policy that covers two or more vehicles is permitted to combine or stack coverage for each vehicle on the policy. In Florida, the number of coverages is limited to the number of premiums paid.  If the premium is not paid, then there can be no stacking.