Unveiling the Secrets: Stacked vs. Unstacked Auto Insurance Explained


Unveiling the Secrets: Stacked vs. Unstacked Auto Insurance Explained

Auto insurance coverage can be either stacked or unstacked. Stacked coverage means that the limits of liability for all of your vehicles are combined, so you have a higher total limit of liability available to you. Unstacked coverage means that the limits of liability for each of your vehicles are separate, so you have a lower total limit of liability available to you.

The main benefit of stacked coverage is that it provides you with a higher total limit of liability, which can help to protect you in the event of a serious accident. For example, if you have two vehicles with liability limits of $100,000 each, and you are involved in an accident that causes $200,000 in damages, you would only be responsible for paying $100,000 if you have unstacked coverage. However, if you have stacked coverage, you would only be responsible for paying $50,000, because the limits of liability for your two vehicles would be combined to provide you with a total limit of liability of $200,000.

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