confused about car insurance…stacked, unstacked??

i am looking up car insurance quotes online and for Uninsured Motorists Bodily Injury Option there is a “stacked” option and a “unstacked” option.

If you select “stacking” and there are two or more vehicles in your household, you can potentially collect from both policies, yours and the other household member. I believe that PA allows both inter and intra policy stacking.

For example, you are seriously injured in a car accident and the value of your case exceeds $200,000. However, the driver who caused the accident is uninsured.

You have two cars covered on your own car insurance policy. You have chosen to carry Uninsured Motorist coverage of $100,000 per person for each car, and you have elected to stack your coverage. You now have $200,000 of Uninsured Motorist coverage available to you. A houshold member also has $100,000 in coverage, now you have $300,000 available to you.

However, if you do not elect to stack your Uninsured Motorist coverage, the most you can recover is your policy limit of $100,000.

I suggest you consider Underinsured Motorist coverage with the same stacking option.

Consider going to a local agent. An agent will be able to explain your options in better detail.