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Daytona Beach Attorneys - Stacked or Non-Stacked

HOW MUCH UM SHOULD YOU PURCHASE?  STACKED OR NON-STACKED?

Daytona Beach Attorneys will tell you to first determine how many vehicles you have on the policy.  The reason for this is that there are two types of UM-UIM coverage, "stacked' coverage and the second type is Ônon-stacked." A person who purchases UM-UIM is entitled to Ôstack' or add together the combined UM coverages of his/her policy in order to determine the total amount of coverage available.  For example, if a person owns two automobiles each with $25,000 per person/$50,000 per accident UM limits, he/she will have $50,000 per person/$100,000 per accident available for the collision. A party has the right to stack all of his own UM coverages as well as the UM coverages of all of the cars owned by resident relatives of his/her household.

On the other hand, if you have non-stacked coverage and own more than one vehicle, you are limited to the UM coverage on the one particular vehicle that was involved in the collision.  It is better to purchase s coverage if you own more than one vehicle.

Summary:

Experienced Daytona Beach Attorneys know, it is definitely a good idea, especially in the State of Florida where Bodily injury Liability coverage is not required by law, to purchase UM/UIM coverage. The coverage is generally very inexpensive when compared to other coverage such as comprehensive and collision. Usually the cost of UM coverage is less than 25% of your overall insurance bill if you in fact purchase full coverage.

If you have any questions regarding UM-UIM coverage, you should discuss them with your insurance agent so you understand exactly what you need and to assure that you purchase adequate coverage.

Feel free to contact one of our Daytona Beach Attorneys if you have any questions to this matter.


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