How does stacking work with uninsured motorist coverage in Kentucky?

How is stacking uninsured motorist coverage different than having the same amount for an unstacked policy? Is there a price difference?

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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Kentucky is one state that does allow stacking of uninsured motorist coverage. However, stacking typically only applies to car insurance policies that have at least two vehicles on them.
If you are only insuring one vehicle and want higher levels of uninsured motorist coverage, you’ll need to raise your coverage limits. However, unstacked coverage typically costs less as you are only insuring one vehicle and you can adjust your coverage limit as needed.
With stacked insurance, your coverage limits would be combined if you get in an accident with an uninsured motorist. This means if you have two vehicles with $50,000 of coverage, you would have coverage up to $100,000 in an accident.
Since you need to have multiple vehicles on a policy, stacked coverage will be more expensive. You won’t have the ability to alter coverage as much as you could with a single vehicle.
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