What to Know About Stacking Uninsured Motorist Benefits in Wisconsin

insurance documents on deskUninsured Motorist coverage on your auto policy provides bodily injury coverage when you are involved in an accident with another vehicle that is not insured. Your auto insurance policy has certain coverage limits. If you carry the minimum required uninsured motorist coverage ($25,000 per person and $50,000 per accident), the maximum available for any one person is $25,000 and the maximum for any one accident with multiple claimants is $50,000.

The higher the uninsured insurance coverage limits on your policy, the more the insurance company will be obligated to pay to cover your injuries and damages.  Also, in some instances, you may be allowed to stack uninsured motorist benefits, which may increase your coverage limits. The availability to stack coverages depends on multiple factors, including when your accident happened and what language is contained in your auto policy.

Our attorneys further explain what stacking uninsured motorist benefits means. If your auto insurance claim has been denied or undervalued, Sigman Janssen is here to help. We are prepared to review your situation and answer any questions you may have in a free initial consultation.

Zero Upfront Fees. Ph: (920) 245-3400.

What Does It Mean to Stack Uninsured Motorist Benefits?

Stacking generally applies to uninsured and underinsured motorist (UM/UIM) coverage. UM/UIM must be an option in all auto insurance policies. Wisconsin drivers must carry uninsured motorist coverage (UM), but underinsured motorist coverage (UIM) is an optional benefit to purchase.

Stacking means that you can combine coverage limits for multiple vehicles on your policy. If you have two vehicles on your auto insurance policy with $50,000/$100,000 of UM/UIM coverage, and you choose to stack your coverage, your UM/UIM benefits may be doubled to $100,000/$200,000.

You may also be able to stack coverage from multiple policies that have your name on them, such as a policy for your spouse or another family member.

What is Wisconsin’s Stance on Stacked Insurance?

UM stacking is allowed but it is important to note that anti-stacking language is still permitted. That means insurance companies can include clauses prohibiting stacking in their policies. Unfortunately, most insurance companies include language prohibiting stacking. It is important to review the policies and have one of our auto accident attorneys evaluate what total coverage is available.

Why Purchase More Than the Coverage Limits?

Wisconsin drivers need auto insurance to protect them if they are injured or cause harm in a crash. However, the minimum state requirements may not be enough coverage in a serious or fatal event.

UM coverage can help protect you, your passengers or anyone else included in your policy if injured by a driver with no insurance or a hit-and-run driver. This coverage can also be used if you are harmed as a passenger or pedestrian.

UIM (Underinsured motorist coverage) coverage may be worth purchasing – increasing your existing coverage limits may also be worth it – to help protect you if you get injured in a crash caused by a driver who does not have enough insurance to cover your damages.

Injured in a Crash? Reach Out to a Trusted Attorney

The Green-Bay based vehicle accident attorneys at our firm have many years of experience helping crash victims obtain the compensation they needed from their UM/UIM coverage benefits.

If you or someone you care about has been denied coverage due to an exclusion in an auto insurance policy or for any other reason, we are ready to help you. The initial consultation is free of charge.

You pay us nothing up front to utilize our services. We only receive payment if we are successful in obtaining compensation on your behalf.

Call (920) 245-3400 for a Free Case Review.