The topic of Pennsylvania vehicle insurance can be somewhat confusing and complicated to navigate. We’ll make it simple for you!
In addition to the typical coverages of collision, comprehensive, liability, etc., you also need to consider such things as “stacked” or “unstacked” insurance. Stacked insurance provides more uninsured and underinsured motorist coverage, depending on the number of vehicles you own, whereas unstacked coverage uses your policy’s standard coverage limits to a single, specific vehicle rather than combining the amounts. You will often pay higher premiums for increased coverage limits, so stacking underinsured motorist and uninsured motorist means you may end up paying more for stacked insurance coverage.
You can reject stacked uninsured (UM)/underinsured (UIM) coverage, in which case each of your vehicles will have their own UM and UIM coverage limits. When you reject stacked limits for your insurance coverage, many insurance companies require you to sign a waiver. To learn more about car insurance, be sure to visit our Automobile Insurance page!
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