What does the term auto insurance stacking mean?

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When you own more than one car or truck, you can increase you insurance coverage limits on your Uninsured (UM) and Underinsured motorist through a “stacking.” Auto insurance stacking refers to the adding of the UM/UIM limits on individual auto policies to increase the total amount of UM/UIM coverage available. For example, say you have one truck and one car in your household on the same policy. Each vehicle has our minimum recommended Uninsured and Underinsured Motorist coverage $100,000 per person, and $300,000 per occurrence. If you elect to not purchase stacking and the at fault driver does not have insurance or has the minimum required amount of insurance, your UM/UIM limit is $100,000. Now let’s say you did elect to stack your coverage for the truck and car, and you are injured in a auto accident by the same person in the above example, you UM/UIM limits would now be $200,000. The cost for stacking of Uninsured and Underinsured Motorist coverage is relatively inexpensive. Not stacking your limits, or reducing your Uninsured and Underinsured Motorist coverage may save you some money, but it could also cost you thousands of dollars if you’re injured in a car accident. Ask your insurance company representative about stacking your benefits to get the most coverage for your money. Remember, you can make changes to your policy at any time. All you need to do is contact your insurance agent.