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What is “Stacking” Auto Insurance Coverage?

signing a piece of paper

With so many different auto insurance coverages available, it can be difficult to know what they all mean. You may have heard of “stacked” and “unstacked” insurance before, but until you get into a serious car accident yourself, you may not have even bothered to fully understand what it means and how it may impact you. We discuss more about stacking coverage below.

Stacking Is Now Permitted in Colorado

As of January 1, 2008, Colorado passed a law that states that car insurance companies cannot exclude anti-stacking language within their policies. Stacking refers to when insurance policy limits can be combined for multiple vehicles. One of the most important things to know about stacking is that it only applies to uninsured/underinsured (UM/UIM) motorist coverage.

As we discussed in one of our recent blogs, this is coverage that can be utilized if you are injured by either a driver who has no car insurance or one who lacks sufficient coverage needed to make up for the total cost of your related damages.

For example, if you are involved in an accident with an at-fault driver who is underinsured or underinsured and you have two separate insurance policies, you may file a claim with both policies as needed. This provides you with greater protection in the event you sustain serious injuries.

Need Help Filing a Claim After an Accident?

As you can see, stacking is often a crucial way for accident victims to recover the compensation they need to pay for damages including medical expenses, lost wages, and more. If you are ever in a situation where you are injured and need assistance filing a claim, turn to the team at Klein Frank, P.C. for help. Backed by over 60 years of legal experience, we have the resources, tools, and knowledge necessary to obtain a favorable outcome on your behalf.

Contact our team at (303) 448-8884 to get started with a free, personalized case review!

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