“Stacking” usually refers to increasing the coverage amount paid to you under uninsured motorist or underinsured motorist coverage in the event of a covered claim. Stacking can apply in certain states if you have more than one vehicle on your policy. For example, you may have two vehicles on your policy and $50,000 UMBI coverage. If you were involved in an accident with an uninsured driver and your coverage is stacked, your policy would pay up to $100,000 in UMBI for your injuries. If your coverage is unstacked, your UMBI coverage limit would be $50,000 in this scenario. Keep in mind that this coverage only applies to UMBI and not UMPD, and is subject to state laws and your car insurance company’s rules. You may also pay an added cost to have this stacking coverage on your policy.