What is the Difference Between Stacked & Unstacked Uninsured Motorist (UM) Coverage in Florida?

Compare Stacked vs Non-Stacked UM in Florida

Each state has different insurance laws. This information applies to Florida policies only.


In Florida, Uninsured Motorist (UM) Coverage is an optional coverage (but important coverage) you can purchase on your own auto insurance policy.

Uninsured motorist (UM) coverage is for you and your family. It provides compensation to you and your family if injured or killed by a driver who is uninsured (no insurance) or under-insured (not enough insurance). Compensation may be for medical bills, lost wages, pain, suffering, mental anguish, loss of enjoyment of life, or wrongful death.

Two types of uninsured motorist coverage available on your Florida Car Insurance Policy are:

- Stacked Uninsured Motorist

- Non-stacked UM coverage (also called Unstacked UM coverage)


How Stacked vs Non-stacked Uninsured Motorist Works in Florida

The first difference in these coverage is if the limits are able to be combined.

Non-stacked Uninsured Motorist Coverage

Let's say, an uninsured driver hits your car. Your car is wrecked, and you are seriously injured. You insure two cars on your personal auto insurance policy. Each car has a Non-Stacked Uninsured Motorist limit of $100,000 per person /$300,000 per accident.

You will be able to file a claim with your insurance company for your injuries. With non-stacked coverage, the you are able to collect is the uninsured motorist limit from one car - or $100,000 in this example. The second number ($300,000) is the cap for all people in your car who are also injured in the accident.


Stacked Uninsured Motorist Coverage

Let's say the same uninsured motorist hit your car. Again, your car is wrecked and you are seriously injured. You insure two cars on your auto insurance policy. Each car has a STACKED Uninsured Motorist limit of $100,000 per person /$300,000 per accident.

You will be able to file a claim for with your insurance company for your injuries, With Stacked coverage, you can combine the uninsured motorist limits from the two cars insured on your policy. So the most you would be able to collect for your injuries is $200,000, and the limit for all the people injured in your car is $600,000.

Ex: ($100,000 per person /$300,000 per accident) x 2 cars the policy = $200,000 per person / $600,000 per accident.


The similarities & differences

Non-stacked uninsured motorist is less expensive than stacked UM. However, this is not the only factor in making your choice.

There are a few differences between stacked and Non-stacked uninsured motorist coverage. This information applies to Florida policies only. Generally, Stacked Uninsured Motorist coverage in Florida is more expensive, but provides better coverage. This is true whether you own just one car or many cars.

Stacked Uninsured Motorist coverage works you in any car - whether that car is owned, borrowed, a roommates car, or even a motorcycle. Non-stacked (or unstacked) coverage only applies when you are in certain cars, and is more limited. This chart helps explain the differences.

In order for uninsured motorist coverage to apply, you must be not-at fault in the accident, and the at-fault driver either does not have any insurance or not enough insurance to cover your (your families) injuries.


Difference Between Stacked & Non-stacked UM in FloridaStacked UM Pays?Non-stacked UM pays?
UM is rejectedNoNo
Can UM limits be combined?YesNo
Injured in a car you own & insure on this policyYesYes
Injured in a car you own & but insure outside of FL on another policyYesNo
Injured in your classic car insured on this policyYesYes
Injured in classic car insured on a different policyYesNo
Injured injured in a car you own & but insure on another policyYesNo
Injured in a car you own, but don't have any insurance on itYesNo
Injured in a car you DO NOT own. That car IS NOT available for your regular useYes Yes
You are injured in a car you DO NOT own. Car IS available for your regular useYes No
Injured on a motorcycle insured on this policyYesYes
Injured on a motorcycle insured on a different policyYesNo
Injured on a motorcycle you own but don't have insurance on itYesNo
Cost of UM CoverageMore Expensive than Non-stacked UMLess Expensive than Stacked UM


The chart above references cars a non-owned car that "available for your regular use." An example of this would be your roommates or a child's car who lives with you. These cars are "considered available for your regular use" as you live together. Your neighbors car borrowed once would not considered "available for your regular use."

We often find that people insure their motorcycles on motorcycle policy and their cars on a separate car insurance policy. Many people do not add uninsured motorist coverage to their motorcycle policy due to it's very high cost on a motorcycle policy. If you own motorcycles, consider adding stacked uninsured motorist coverage to your car insurance policy in Florida. The car insurance policy with stacked coverage would then apply to injuries on your motorcycle - as long as caused by at-fault driver without any insurance or without enough insurance.

There can be really big difference in stacked vs. non-stacked UM coverage. Yes, stacked uninsured motorist coverage is more expensive, but it is better coverage.

Uninsured Motorist Coverage can be a confusing to understand. We recommend that you always discuss your situation with your insurance agent. This if for general information purposes only and should not be considered professional advice about what you should do. Please call and talk to your insurance agent before making a decision.


Related Articles:

7 Frequently Asked Questions on Florida Uninsured Motorist Coverage


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