What Is Stacked Vs Unstacked Auto Insurance? 
This usually refers to Uninsured/Under insured Motorist coverage in your auto policy . In states that allow `` stacking '' this means that if you have say $ 300,000 of uninsured/under insured motorist coverage , and you have 4 vehicles on your policy , if you have to open a claim , the total resulting settlement may be based upon the amount of stated coverage multiplied by the number of cars you insure with your company . In this case , your settlement could be up to $ 1.2 million . Many states like Connecticut , did away with the stacking provision so talk to your Insurance Professional to see if it applies in your state . 