How does ‘stacking’ work in Pennsylvania auto insurance?
If you elect to “stack” your Pennsylvania car insurance, then your Unisured/Underinsured Motorist Coverage will be equal to the sum of the coverage that applies to all of your vehicles. In other words: If you have Uninsured/Underinsured Motorist Coverage of $100,000 per person/$300,000 per accident and you own two vehicles, and you choose “stacking,” then your total coverage would be $200,000 per person/$600,000 per accident.
