Florida Auto Insurance: Stacked vs. Non-Stacked

Did you know that about 20% of drivers in Florida do not have any sort of car insurance. 

So, what happens if you get into an accident with someone that does not have car insurance? The truth is it depends on what type of car insurance you have.

Two of the options you have for this is stacked vs. unstacked insurance. What are the biggest differences between Florida stack vs. non-stacked insurance? 

This guide breaks down these different car insurance types. 

Stacked Car Insurance 

This type of car insurance works best for people that own multiple vehicles in one home. The way this works is that with this type of car insurance policy, you can combine the uninsured motorist coverage that you are offered for each vehicle you have in your home. 

If you do this and you get in an accident with somebody that is uninsured, it can give you double the amount of coverage that you could get with just one vehicle.

Think of it as you being covered for up to $100,000 in damage instead of just $50,000 for example. That can help cover more serious issues such as medical bills, a total loss of your car, property damage, and potentially lost wages. 

Let’s say that you own two cars or that you and your spouse split car ownership while living together. Then, one of you unexpectedly gets into a serious car accident caused by an uninsured driver. They do not have insurance to cover all of the bills that you are going to have. 

What happens then? With stacked car insurance, you have more room for error here if the damage is serious enough. 

Non-Stacked Insurance 

On the other hand, you do have the option to not combine your car insurance coverage against uninsured drivers. So, what is non-stacked uninsured motorist coverage? 

This is essentially a basic car insurance plan that gives you limited coverage in the event that you get into an accident with a driver that does not have car insurance. You will get limited coverage but if your accident ends up being serious, it may not be enough to cover all of the damages that you had. 

If this is the case, why do some people choose to go with this type of coverage? 

The answer is that it simply costs less in insurance premiums. This is especially the case in Florida. The Sunshine State is 70% higher than the national average when it comes to full coverage for car insurance. 

Learn More About Florida Stack vs. Non-Stacked Insurance 

These are the main differences between Florida stack vs. non-stacked insurance. You should be aware that one of these options gives you the opportunity to combine your insurance coverage against uninsured drivers while the other one does not. However, the catch is that the stacked car insurance tends to have higher premiums than non-stacked coverage. 

If you are the victim of one of these accidents, you should speak to a car accident attorney. Get a free consultation here.