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Uninsured Motorist/Underinsured Motorist Coverage Stacking

Posted by Kenneth Stalter | Apr 07, 2020 | 0 Comments

Have you heard of stacking? This is a legal principle that your insurance company doesn't want you to know about because it could mean more coverage in your case.

Uninsured or underinsured motorist coverage, also called UM/UIM, applies when you have been injured or your property has been damaged by an uninsured, underinsured, or unknown motorist. The judicial doctrine of stacking states that if you have multiple vehicles and each vehicle has UM/UIM coverage, you may be able to “stack” the coverages—adding them together for increased benefits.

For example, suppose you own two cars and each car has UM/UIM coverage for bodily injuries with limits of $25,000 per person. If stacking applies, the coverage from each car would be added together for a total available UM/UIM coverage of $50,000. This could make a big difference for your case.

Does stacking apply in your case? The best way to find out is to consult an attorney who represents policyholders and handles insurance cases.

About the Author

Kenneth Stalter

Ken Stalter graduated with honors from Harvard Law School in 2008. Before founding Stalter Law LLC, he was General Counsel to the New Mexico Attorney General. A former prosecutor and appellate attorney, he has experience with all levels of the New Mexico court system. His clients include New Mexi...


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