Stacking legal definition: Stacking is an option type of car insurance in Pennsylvania. The purpose of stacking is to allow consumers to maximize their uninsured and underinsured coverage by combining coverage limits from multiple cars on a policy, or in some instances even across policies.
For example, if you have three vehicles on your unstacked policy, and each has a $25,000 policy limit for uninsured and underinsured motorist coverage and you were injured in an accident, you would be entitled to just $25,000. However, if your coverage was stacked, you would be able to combine those coverage limits and would be able to file a claim for $75,000.
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