Blog

Is Stacked or Unstacked Insurance Right for You?

Posted on May 3, 2017

Uninsured or underinsured motorist coverage is an important part of your car insurance plan. This coverage makes sure your vehicle damage and injuries are taken care of in the event of an auto accident with someone (who is at fault for the crash) who doesn’t carry insurance for bodily injury. Uninsured motorist coverage comes in two forms: stacked and unstacked. At Canter Law South Florida Injury Lawyers, we recommend all drivers choose stacked insurance.

What is Stacked Auto Insurance?

Stacked auto insurance allows you to “stack” the coverage you have on multiple vehicles to ensure you’re fully covered after a car crash. Let’s say you drive two cars, and each one is insured for $50,000. If your injuries and property expenses exceed $50,000, you can use the additional $50,000 from your other car, giving you a total coverage of $100,000.

What if You Only Own and Drive One Car?

You can still stack your insurance plan if you only have one car in Florida. This kind of stacked auto insurance makes sure you’re covered when you ride your bike, cross the street as a pedestrian or drive someone else’s vehicle. Your insurance agent may not share all of your options with you, so make sure to ask about stacked insurance when you meet with them.

Stacked insurance can be a lifesaver and prevent you from going into a large amount of debt simply because you’re hit by an underinsured or uninsured driver. However, one drawback of stacked insurance is that your premium will likely be higher because you’re paying for additional protection.

When is Unstacked Insurance Recommended?

Our lawyer in Boca Raton recommends all drivers choose stacked insurance, but if you’re concerned about the cost of your monthly premium, unstacked may give you a lower rate. However, this lower rate could come at a higher cost if you find yourself with substantial injuries after a car accident with someone who doesn’t carry bodily insurance.

If you or a loved one has been in an auto accident with an uninsured motorist, please contact Canter Law South Florida Injury Lawyers in Boca Raton today at 561-447-4500for a complimentary consultation. Attorney Eric Canter serves clients in Boca Raton, Ft. Lauderdale, Boynton Beach and Palm Beach County, Florida. 

Case Results

Need Help?

Our South Florida personal injury law firm offers you the personalized attention that you need in order to maximize your compensation.. We’re available to you 24 hours a day, 7 days a week.
Our firm operates on a contingency-fee basis, which means that you pay us nothing unless we make a recovery for you!

Personal Relationship with Every Client

Don't hesitate to call us anytime; we want to know you and your family, how your legal issue is affecting you, and what we can do to help.

Proven Results

Named one of AVVO's Clients' Choice, Mr. Canter has helped his clients receive multi-million-dollar verdicts, and millions of dollars in settlements.

You Can Always Speak with Our Attorneys

You will speak directly to a member of the team at ECanter Lawyers. Our Boca Raton attorneys want you to be as informed as possible with your own case, so ask us questions until you feel completely comfortable.

Experience

With over two decades of experience, Eric Canter has handled thousands of personal injury cases and we use that experience to maximize case results for all of clients.

Let Us Help

Our South Florida personal injury law firm offers you the personalized attention that you need in order to maximize your compensation. We have offices conveniently located throughout South Florida in Boca Raton, Coral Springs, West Palm Beach, Ft. Lauderdale, and Miami, Florida, so we're never too far away from where you are. Our firm operates on a contingency-fee basis, which means that you pay us nothing unless we make a recovery for you.

FREE Case Evaluation

Quick. Easy. Confidential.

About Us

We’re available to you 24 hours a day, 7 days a week. Our firm operates on a contingency-fee basis, which means that you pay us nothing unless we make a recovery for you!

Our Address

3335 NW Boca Raton Blvd.
Boca Raton, Florida 33431
Phone: (561) 447-4500
Office Time: 24 / 7

 

Disclaimer: The information throughout this south Florida personal injury lawyer website is not intended to be taken as legal advice. The information provided by ECanter Lawyers is intended to provide general information regarding injury and accident claims including car & truck accidents, medical malpractice lawsuits, premises liability claims, product liability, and workers’ compensation claims for South Florida residents. If you are interested in a free case review please contact our injury attorney, Eric Canter. We now serve the following locations: Palm Beach County including Boca Raton, Boynton Beach, Delray Beach, Greenacres, Lake Worth, Royal Palm Beach, Wellington, and West Palm Beach; Broward County including but not limited to Coral Springs, Deerfield Beach, Fort Lauderdale, Lighthouse Point, Margate, and Pompano Beach; and Miami-Dade County including Miami. © 2024 Copyright ECanter Lawyers. All Rights Reserved. We now serve the following locations: Palm Beach County including Boca Raton, Boynton Beach, Delray Beach, Greenacres, Lake Worth, Royal Palm Beach, Wellington, and West Palm Beach; Broward County including but not limited to Coral Springs, Deerfield Beach, Fort Lauderdale, Lighthouse Point, Margate, and Pompano Beach; and Miami-Dade County including Miami. Web Development by IWD Marketing