what does stack mean in insurance
Stacking normally refers to an option you can select for uninsured motorist bodily injury (UM) and/or underinsured motorist bodily injury (UIM) coverages. Stacking uninsured/underinsured motorist policies is an option that allows you to increase the limits you select for your UM/UIM bodily injury coverage.Limits increase based on the number of cars you are insuring.o by selecting stacking for your uninsured/underinsured motorist bodily injury coverage, you increase your limits for each of these coverages by the number of cars youâre insuring. Generally, there is not a limit on the number of vehicles that can be insured and thus stacked this way.