Is stacked insurance available in my state?
The availability of stacked insurance varies by state and insurer. Some states mandate stacking, others allow it as an option, and a few prohibit it altogether. Even in states where stacking is permitted, not all insurers offer it, and some may impose restrictions on how it can be applied—such as limiting stacking to vehicles insured under a single policy or requiring multiple policies under the same name.
While Maryland allows stacked insurance, you may want to check with your insurance carrier to understand the options available to you.
So … is stacked insurance worth it?
Choosing between stacked and unstacked insurance depends on your individual circumstances. If you own multiple vehicles and live in a state with a high number of uninsured drivers, stacked insurance might provide invaluable peace of mind despite its higher premiums. While unstacked insurance is more affordable, it also opens you up to financial risk in the event of a serious accident.
Ultimately, consulting with an insurance agent can help clarify which option aligns best with your needs and financial situation. Whether you prioritize comprehensive protection or affordability, understanding these distinctions ensures that your auto insurance policy offers the right balance for your lifestyle.
The question of stacked vs. unstacked insurance is one to consider carefully with your family, your insurance agent. Your auto insurance probably isn’t the first thing on your mind every morning—but in the moments when you need it, you’ll be glad that you gave this important topic the attention it deserves.
To receive a free case evaluation, call the Poole Law Group: 301-790-3600.
Read More from The Poole Law Group:
How Much Insurance Should I Have?
Maryland Personal Injury Protection Insurance: What You Need To Know