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Understanding Stacking vs Non-Stacking Insurance in Florida

On Behalf of | Jul 6, 2023 | Firm News

When it comes to insurance in Florida, there are two terms that you need to be familiar with: stacking and non-stacking. Understanding the difference between the two can have a significant impact on your coverage and financial well-being in the event of an accident, especially one that causes bodily injury. In this blog, we will delve into the details of the two types of um coverage, stacked um and non-stacked um in Florida. We will explore the state’s insurance requirements, what uninsured motorist coverage entails, and the benefits of stacking uninsured motorist coverage. Additionally, we will discuss the advantages and disadvantages of non-stacked insurance and provide guidance on whether you should opt for stacked or non-stacked insurance. and which injury coverage is right for you. We will also touch upon other insurance coverage options available in Florida and what steps to take after an automobile accident with an uninsured driver including one who is found as at-fault driver. If you’re unsure about which type of insurance is right for you or what to do after an accident, this blog is a must-read. Don’t navigate the complexities of insurance alone – let our experienced personal injury attorneys help guide you through the process.

Florida Insurance Requirements

Florida law requires that insurance requirements include personal injury protection (PIP) coverage, which can be either stacked or non-stacked. Stacking insurance enables policyholders to combine coverage limits from multiple auto insurance policies, providing them with greater overall protection. This is particularly beneficial in the event of a serious accident or injury, as the stacked insurance coverage offers a higher limit. On the other hand, non-stacking insurance does not allow policyholders to combine coverage, although it may be more cost-effective or necessary for single car households. Florida residents should carefully consider whether stacking or non-stacking insurance suits their needs when choosing auto injury insurance.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage, often called um coverage, is insurance that safeguards you in case of an accident with a driver who lacks insurance. It can assist with medical expenses such as medical bills, property damage, and other accident-related costs. This coverage is crucial in states with high rates of uninsured drivers. For personalized information, consult an insurance agent or attorney to understand the specifics of uninsured motorist coverage for your situation.

What is Stacked Insurance in Florida?

Stacked insurance in Florida allows policyholders to combine the uninsured/underinsured motorist coverage, often known as uim or um for short, limits for multiple vehicles on a single auto policy. Most insurance companies offer car insurance polices which can be stacked within the household. What this means is that a family member living in the same household as you may stack with you. This single policy can increase coverage limits and provide extra protection in a car crash with uninsured or underinsured drivers. However, it’s important to consider the potential higher premiums of car insurance policies before opting for stacked coverage that Florida drivers often face.

What Are The Benefits of Stacking Uninsured Motorist Coverage?

Stacking uninsured motorist coverage offers the benefit of combining the limits of multiple policies, potentially resulting in higher compensation if you’re involved in an accident caused by an uninsured driver. It also provides protection for multiple vehicles under the same policy, giving you added financial security and peace of mind while on the road as demonstrated below.

Ride a Motorcycle? Get Stacked Uninsured Motorist Coverage

Motorcycle riders in Florida should seriously consider getting stacked uninsured motorist coverage. As a rider myself, this is one piece of advice I give to all my fellow riders. This allows you to combine your motorcycle insurance coverage limits with multiple insurance policies, potentially increasing your compensation to the maximum amount in case of a collision with an uninsured or underinsured driver. To fully understand the benefits and requirements, it’s best to consult with an insurance agent or attorney.

What is the Cost of Stacking Uninsured Motorist Coverage?

The cost of stacking uninsured motorist coverage can differ based on various factors. Insurance companies usually charge an extra premium for this added coverage. Your driving history, age, location, and chosen coverage limits may also impact the cost. To get accurate pricing information on liability insurance, it’s best to consult with insurance providers directly.

What is Non-Stacked Insurance in Florida?

Non-stacked insurance in Florida limits your coverage to the amount specified in your individual policy. You cannot combine the limits of multiple policies. While non-stacked insurance is cheaper, it offers less coverage compared to stacked insurance, which allows combining multiple policy limits for greater protection.

Advantages of Non-Stacked Uninsured Motorist Insurance

Non-stacked uninsured motorist insurance in Florida offers several advantages, including affordability. Compared to stacked insurance, non-stacked insurance typically has lower premium rates. This type of insurance ensures that each vehicle on the policy has its own separate coverage limit. As a result, claims are limited to the coverage for that specific vehicle. This can be especially beneficial for individuals who own multiple vehicles but do not frequently drive them all at the same time. Additionally, non-stacked uninsured motorist coverage provides crucial protection in the event of an accident with an uninsured driver. It helps cover medical expenses and damages caused by the uninsured driver, providing peace of mind and financial security.

Disadvantages of Non-Stacked Insurance

Non-stacked insurance in Florida, also known as non-stacked uninsured motorist (UM) coverage, is a type of insurance policy where the coverage limits cannot be combined or “stacked” across multiple vehicles or policies. With non-stacked insurance, each vehicle on the policy has its own separate coverage limit, and claims are limited to the coverage for that specific vehicle. While non-stacked insurance may offer lower premium rates, it comes with its disadvantages. One of the main disadvantages is that in the event of an accident, you can only recover damages up to the policy limit of the specific vehicle involved, even if you have multiple vehicles insured under the same policy. This can leave you personally responsible for any additional expenses if your damages or injuries exceed the policy limit. Therefore, while non-stacked insurance may be more affordable, it can also leave you more vulnerable to financial risk in case of a major accident.

Should You Get Stacked or Non-Stacked Insurance in Florida?

Deciding between stacked or non-stacked insurance in Florida is a personal choice. Stacked insurance offers increased coverage limits by combining policies, while non-stacked insurance has lower premiums but limited coverage. It’s advisable to consult an insurance professional to evaluate your needs and make the best decision for your situation.

How to Save Money on Stacked vs. Unstacked Car Insurance in Florida

To save money on car insurance in Florida, it’s essential to grasp the distinction between stacked and non-stacked insurance. Stacked insurance empowers you to combine the coverage limits from multiple policies, offering greater protection and potentially higher coverage limits. Meanwhile, non-stacked insurance provides lower premiums, but it restricts coverage to individual vehicles, each with its own limits. When seeking cost savings on stacked vs. non-stacked car insurance in Florida, assess your circumstances and consult an insurance professional for guidance on the optimal choice.

Should I Buy Stacked or Unstacked Car Insurance?

When choosing between stacked and unstacked car insurance, consider your specific needs. Stacked insurance combines coverage limits for multiple vehicles, providing higher coverage. Unstacked insurance offers separate limits for each vehicle. Factors like the number of vehicles you own, budget, and desired coverage level should influence your decision.

Other Insurance Coverage Options in Florida

Insurance coverage options in Florida include both stacking and non-stacking insurance. Stacking insurance allows policyholders to combine the limits of multiple policies to increase their coverage. On the other hand, non-stacking insurance does not permit the stacking or combining of coverage limits. The choice between these options depends on several factors, such as the number of vehicles owned, budget, and desired coverage level. For individuals with multiple vehicles or assets to protect, stacking insurance may provide greater benefits. However, for those with fewer assets or minimal coverage needs, non-stacking insurance may offer a more cost-effective solution.

What Should I Do After an Automobile Accident With an Uninsured Driver?

After an accident with an uninsured driver, it’s crucial to collect information and take photos of the scene and vehicle damage. Report the accident to your insurance company and seek advice from a personal injury attorney to explore your legal options.

Should I Hire a Lawyer After an Auto Accident in Florida?

If you have been involved in an auto accident in Florida and have experienced injuries or significant property damage, it is advisable to hire a lawyer. They can guide you through the legal process, protect your rights, help gather evidence, negotiate with insurers, and file a lawsuit if needed. To increase your chances of receiving fair compensation, consult with a personal injury attorney who focuses in auto accidents.

What is the Statute of Limitations for Filing a Car Accident Lawsuit in Florida?

In Florida, you typically have two years from the date of the car accident or the date you discovered your injuries to file a lawsuit. Failing to meet this deadline can lead to your case being dismissed. To understand your specific situation and applicable deadlines, it’s crucial to seek advice from an attorney.

What Titan Law, PLLC. Can Do For You?

Titan Law, PLLC. is a trusted law firm focusing in personal injury cases not only in Southwest Florida but the entire state who have your best interest in mind. With a deep understanding of Florida’s insurance landscape, our experienced attorneys can expertly navigate the complexities of stacking and non-stacking insurance. After an accident, it’s important to consider your insurance options carefully, especially when facing serious injury and loss of income. Stacking insurance, for example, allows policyholders to combine the coverage limits of multiple policies, offering enhanced financial protection. In contrast, non-stacking insurance limits coverage to the policy with the highest limit, potentially leaving you underinsured in certain situations. We are committed to fighting for your rights and ensuring you receive the maximum compensation available under your insurance policies. Contact us today for a free consultation and let us help you understand your insurance options and protect your rights after an accident.


In conclusion, understanding the difference between stacking and non-stacking insurance is crucial when it comes to protecting yourself on the roads of Florida. Stacked uninsured motorist coverage offers increased protection and benefits, especially for motorcycle riders. It may come at a slightly higher cost, but the advantages far outweigh the disadvantages. Non-stacked insurance, on the other hand, may be a more affordable option but lacks the same level of coverage and flexibility. Ultimately, the decision between stacked and non-stacked insurance depends on your individual needs and budget. To learn more about your options or how to save money on car insurance in Florida, contact our team for a free consultation today.