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Stacking Coverages for an Uninsured Motorist

Georgia Injury Attorneys

Stacking Coverage for an Uninsured Motorist


According to the Insurance Research Council, more than one out of ten cars on the road are driving without insurance. What would happen if you get hit by one of those uninsured drivers?

Many states including Georgia, allow policy seekers to boost their personal coverage by stacking their policy. The benefit is that your uninsured motorist bodily injury (UMBI) limit is increased to better cover you in the event of an accident with an uninsured or under-insured motorist. Of course it will cost you more, but your coverage goes much further in paying out accident expenses.

There are two different ways to stack insurance: within your policy or across multiple policies.
1. Within your policy – If you have multiple cars on one policy and are able to stack your insurance, you can collect the UMBI coverage of all your cars in the case of an accident. For example, if you have two vehicles with UMBI coverage of $40,000 each and you stack your insurance, in the event of an accident with an uninsured motorist, your UMBI limit is increased to $80,000.
2. Across multiple policies – If you have multiple cars insured under different policies, stacking across policies could allow you to file claims with both policies in the case of an accident.

If you or someone you know has been injured in an accident, regardless of whether the other driver was insured or uninsured, get expert legal advice from the attorneys at Chanco Schiffer, P.C. at (404) 842-0909.