If you live in Pottstown, Collegeville, or Royersford, PA, and own more than one vehicle, understanding how stacked Underinsured Motorist (UIM) coverage works could make a major difference in your financial recovery after a car accident.
At Mayerson Injury Law, we’ve seen firsthand how crucial stacked UIM coverage is in protecting drivers and their families from devastating losses when injured by underinsured drivers.
What Is Stacked UIM Coverage?
Stacked Underinsured Motorist (UIM) coverage allows you to increase the amount of insurance protection available to you by “stacking” the UIM limits for each vehicle on your auto insurance policy.
For example:
Suppose you have two vehicles on your policy. In that case, each with $100,000 in UIM coverage, stacking gives you access to $200,000 in protection if you're seriously injured in an accident with an underinsured driver. Without stacking, you’d only be able to claim $100,000.
Why Stacked Coverage Is Essential in Pennsylvania
1. Pennsylvania’s Minimum Insurance Requirements Are Extremely Low
Pennsylvania law only requires $15,000 in liability coverage, which is often insufficient to cover medical bills, lost wages, or long-term care following a serious accident.
Stacked UIM coverage fills this gap, ensuring you’re not left paying out-of-pocket due to another driver’s insufficient insurance.
2. Stacked UIM Is a Cost-Effective Way to Maximize Your Protection
Adding stacked coverage typically increases your premium by only a small amount — but the return in protection can be tens or even hundreds of thousands of dollars. For most drivers in Montgomery County, this is a wise and affordable decision.
3. It Covers Your Entire Household
Stacked coverage may allow you to recover under multiple vehicles and policies within your household, expanding your ability to seek compensation. This can be a game-changer in situations involving multiple family members injured in the same accident.
4. Waiving Stacked Coverage Is Permanent — and Risky
Under Pennsylvania law, stacked coverage is included by default unless you explicitly waive it by signing a legal waiver. Once you waive it, the decision is permanent, and you lose the right to stack in the future.
Many drivers don’t realize what they’ve waived until it’s too late. At Mayerson Injury Law, we frequently review auto policies and find clients were unknowingly exposed to significant financial risk.
Real-Life Consequences of Waiving Stacked UIM Coverage
We’ve handled many cases throughout Pottstown, Collegeville, and Royersford where the difference between having stacked coverage or not meant a recovery of $50,000 vs. $150,000+. A small difference in monthly premiums can be life-changing in the event of a crash.
Not Sure If You've Waived Stacking? Here's What To Do.
Review your auto insurance declarations page. Look for a “Stacked UIM Waiver” form — if it’s signed, your coverage is limited.
Call your insurance provider and ask directly.
Consult with a local personal injury attorney who understands Pennsylvania insurance law.
Speak With a Car Accident Lawyer in Pottstown, PA
At Mayerson Injury Law, we help accident victims throughout Pottstown, Collegeville, and Royersford understand their insurance coverage and pursue maximum compensation after being injured by underinsured drivers.
Don’t wait until after a crash to discover you’re underprotected.
Call Mayerson Injury Law Today at 610-492-7155
We’ll review your policy for free and help you understand your rights.