Question

An insured has "Stacked" Uninsured Motorist with 25/50 limits on each of 2 vehicles that he owns. How much Uninsured Motorist coverage is available to the insured in the event of an accident with a hit & run driver?

1• 25/50
2• 50/100
3• 10,000
4• Not covered in this case

Answer 1

The insured with stacked uninsured motorist coverage of 25/50 on each of two vehicles would have a total available coverage of 50/100 in the event of an accident with a hit & run driver.

Step-by-step explanation:

An insured with stacked uninsured motorist coverage of 25/50 limits on each of two vehicles would have a combined coverage amount in the event of an accident with a hit & run driver. Stacking means that the coverage limits for multiple vehicles can be combined (or "stacked") for a larger total coverage amount. Therefore, with two vehicles having 25/50 limits, the available uninsured motorist coverage in this scenario would be 50/100 when stacked. This effectively doubles the individual per-vehicle coverage amounts to protect against drivers who do not have sufficient insurance coverage.