What is Stackable UM Coverage?

This article was first published on November 5th, 2010. Some of the laws may have changed since this that date.

Information About UM Coverage

When purchasing an automobile insurance policy you will encounter many provisions and terms you may not be familiar with but which are very important to understand. One such term is “uninsured motorist coverage” or “underinsured motorist coverage,” also known by their initials as UM/UIM. Uninsured motorist coverage covers you for damages from your bodily injuries sustained in an automobile accident where the at-fault driver causes the accident but does not have bodily injury coverage on their vehicle to cover you for your losses.

Such losses would include out-of-pocket medical expenses, wage loss, and pain and suffering damages. In this example, you could make a UM claim under your own policy of up to your UM coverage limits for the losses associated with your bodily injuries. Similarly, underinsured motorist coverage covers you for damages from your bodily injuries sustained in an automobile accident where the at-fault driver has bodily injury coverage but it is not sufficient to cover all of your losses or damages.

Understanding Underinsured Motorist Coverage

In this example say the at-fault driver only carried $10,000 in bodily injury coverage but you have out-of-pocket medical expenses and $20,000 in wage losses, plus pain and suffering damages. You could make a claim for the at-fault driver’s $10,000 in bodily injury coverage and make another claim under your underinsured motorist coverage for your damages that exceed the $10,000 bodily injury claim up to the limits of your underinsured motorist coverage. When discussing this coverage with your insurance agent or representative, be advised that you will need to purchase bodily injury coverage before purchasing uninsured or underinsured motorist coverage.

Further, let’s say your household includes you, your spouse and your adult child who all own motor vehicles. With stackable UM coverage, you can pay an additional insurance premium on all three motor vehicles in your household. If you or your family members got in an automobile accident and sustained injuries because of the at-fault driver, who was uninsured or underinsured for bodily injury coverage, you could add or “stack” all three of your UM policies when making an uninsured or underinsured motorist claim. When discussing insurance coverage with your agent be sure to purchase stackable UM coverage to provide additional coverage for you and your loved ones.

Who to Call When Insurance Isn’t Enough

At The Umansky Law Firm, our Orlando car accident attorneys understand that sometimes, damages are so severe your insurance policy alone cannot compensate you fairly. We work with car accident victims to help them obtain the funds they need to make a complete recovery, or as close to it as possible.

We may be able to help you recover the following damages based on the facts of your case:

  • All medical expenses associated with the crash, including physical therapy and psychiatric treatment
  • Lost wages and reduced earning capacity
  • Property damage
  • Pain and suffering

Our lawyers have decades of experience representing injured parties in personal injury claims and lawsuits with many success stories along the way. Contact us at any time to learn the value of your case and what your options for recovery are at this time. The sooner you act, the better your chance will be of obtaining the compensation you need.

If you have been injured by an uninsured or underinsured at-fault driver, call The Umansky Law Firm at 407-228-3838. We provide free consultations.