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The Law & You

Should I Have Stacked My Under and Uninsured Motorist Coverage?

The Law & You
July 18, 2018

The Law and You

Should I Have Stacked My Under and Uninsured Motorist Coverage?

A viewer has multiple vehicles and wonders if she should have stacked under and uninsured motorist coverage. Insurance attorneys Greg Fellerman and Molly Clark explain the best legal option.

Dave Kuharchik: We have a car insurance related question for this edition of “The Law & You.” We’re back here in The Virtual Law Center with attorneys Greg Fellerman and Molly Clark who is here for Ed. Thank you both for being here.

Molly Clark: Thank you for having me.

Dave: So one of our viewers has a lot of cars. Four of them in fact. Heidi in Tobyhanna says, “I own four vehicles and I don’t know if I should have stacked under and uninsured motorist coverage?” A lot of terms in that one. Molly we’ll start with you, what do you say?

Molly: I say yes to all of them. You also want to make sure you are full tort as well- as opposed to limited tort. There’s a lot of things you need to consider when you’re either getting new insurance or changing your insurance. Being that you have four vehicles, yeah I think you should have stacked insurance and you absolutely should have underinsured or uninsured motorist coverage as well in the event that you get in a crash with somebody who doesn’t have a lot of coverage who has a smaller policy, then you’ll be able to use the underinsured or in some instanced the uninsured if they don’t have any coverage to help you out with your claim. I say yes, I say ask lots of questions of your agent as to what kind of options they’re giving you, what they’re trying to set you up with because lots of times people go in there and just try to save money and don’t realize what consequences that could happen.

Greg Fellerman: The stacking is real simple. If you have four cars and you have 100,000 dollars of insurance you get to times that by four so you have 400,000 dollars of uninsured motorist coverage or underinsured motorist coverages stacking to to get stacked upon each other and that’s how you protect yourself. Most people run around North Eastern Pennsylvania have no coverage or very minimal limits. Good idea to do it,  very good idea.

Dave: I know you offer folks the opportunity to send in their deck page and you’ll take a look at the insurance policy. To do that you could call the office, check them out online or visit the social media pages. Results matter with attorneys Greg Fellerman and Molly Clark. See you next time. and “The Law & You” hotline are there for you.


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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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