(most expensive choice but most recommended)-- This coverage means that if you are hit by an at-fault driver and you were injured, and that driver has $25,000, and you have $25,000 in uninsured/underinsured coverage, but you have the stacking variety then if your injury is severe enough you have the ability access the $25,000 for the bad guy and the $25,000 from your uninsured motorist coverage; combining both amounts. Hence, your uninsured motorist coverage stacks on top of the at-fault driver’s coverage giving you double coverage for your incurred damages.