In some states, you can combine uninsured or underinsured motorist coverage limits for multiple vehicles in the household. This means that if you have two vehicles with $50,000 in coverage for uninsured motorists, you can “stack” both limits and potentially receive a payout of $100,000 in the event of an accident. Stacking can occur within the same policy that covers multiple cars or across multiple policies with the same policyholder.
Stacking increases your potential coverage, but it may cost you more in premiums. It also isn’t available everywhere, so check if this option is allowed in your state.