On car insurance what is stacked coverage ?

Answer 1

If you have two cars and (two insurance), having stacked coverage allows you to combine both of the insurance to pay for the loss incurred by one. I believe this only applies to liability portion of your insurance.

Let's say you have one million dollars coverage for car A and another million dollar coverage for car B. Let's say you were driving the car A and caused a damage to someone's property for two million dollars. Having stacked coverage, your insurance company will use both coverage to pay for the damage.

Be careful though, often, you can boost the coverage for both cars to two million, cheaper than having one million each and stacked coverage.

Have your insurance company quote you both ways and decide.

Answer 2

Ok, basic liability coverage (BI And PD) normally do not stack. Stacking coverage means that if you have more than one vehicle on the policy that particular coverage will stack up and be added together. This is most commonly seen with Uninsured and Underinsured Motorist coverage and First party coverages like Med Pay. You don't usually see that with liability. Most of the time with liability coverage what you have on one car is the max that's paid for any one claim.