Hi. My name is Tim Rayne and I’m a Pennsylvania Personal Injury attorney. Today’s legal tip answers the question “Should I Stack My Uninsured/Underinsured Car Insurance Coverage in Pennsylvania?”

When you purchase car insurance in Pennsylvania, you have the ability to protect yourself and your family from drivers who either don’t have insurance, are uninsured, or the drivers who don’t have enough insurance to cover the damages that they cause, under-insured drivers. When you purchase that coverage, you have the ability to make a legal claim against your own insurance company in the event that you or a family member is injured by a driver who is uninsured or under-insured.

If you purchase a multi-vehicle policy, that is, if you have more than one car covered under your current insurance policy, you have the choice to make as to whether you want the insurance stacked or non-stacked. If you choose to stack your under-insured/uninsured coverage, what that does, it essentially multiplies the coverage by the number of vehicles. So if you have a four vehicle policy and you’ve purchased 100,000 dollars of uninsured/under-insured coverage, you’ve essentially multiplied that into 400,000 dollars of coverage. If you choose to not stack the coverage, you only have the amount that you purchased-the 100,000 dollars.

My tip for you is that you should strongly consider stacking. What I think you’ll find when you price the stacking versus the non-stacking issue with your insurance agent is that it is very cheap to stack your coverage. Because of that, I strongly recommend that you consider doing that because it really multiplies your protection in the event that you’re injured in an accident or you have a family member that’s injured in an accident. So from my perspective, stacking is the way to go.

That’s our legal tip for today. Again, my name is Tim Rayne and a I’m Personal Injury attorney in Pennsylvania. Please don’t hesitate to contact me if you’ve any other questions. I can be reached by phone or by email. Thank you.

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