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.
Does anyone know what this means? What the diff is? This is for PA
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.
Filed under auto insurance price quote by on Jul 18th, 2010. Comment. 
What companies offer instant online auto insurance proof?
**I don’t need quotes, I need printable proof of insurance**
I know The General offers instant proof of insurance by printing it straight from the internet, are there any other auto insurance companies that offer it?
I don’t want to know about quotes or estimates or any silly site about comparing prices.
I want to know what companies you can go to their site and print your insurance proof off of AT HOME so you can go driving asap.
Any company that allows you to purchase without going through an agency. Progressive, Geico, etc. but not State Farm etc.
Filed under auto insurance price quote by on Jul 18th, 2010. Comment.
Is Capital insurance a good company?
We are shopping around for home owners & car insurance. Capital Insurance & Financial Services, LLC is coming in cheaper & with more coverage than other places. I have not heard of them before (which doesn’t mean anything) but I can’t find much on them on the net. Just wondering if they have been a good company for others & if you recommend them.
*This makes sense that this is just the agency name- I see now actual insurance company & will repost! Thanks!
There are a whole slew of insurance companies with Capital in their name. But none called “Capital Insurance & Financial Services, LLC”.
I’d bet you’re dealing with an AGENCY there, not a company. In which case, you need to find out which companies they represent.
Filed under Home Insurance by on Jun 8th, 2010. Comment.