What does "stacking" refer to regarding uninsured motorist coverage?

Stacking in the context of uninsured motorist coverage involves combining the limits of multiple policies to enhance the available coverage for claims arising from accidents with uninsured motorists. This practice allows an insured individual to utilize coverage from more than one policy they hold—such as policies for multiple vehicles—to increase the total amount of uninsured motorist coverage available in the event of a claim. For example, if an individual has two vehicles insured under separate policies, and both policies provide uninsured motorist coverage, stacking allows the insured to add those coverage limits together, thereby providing a greater level of financial protection.

This practice is particularly beneficial for policyholders who want to ensure they are adequately protected against potential losses due to uninsured drivers, especially in states where stacking is permitted. In contrast, other choices either suggest limiting or minimizing coverage or misinterpret the stacking principle in different ways, which does not align with the concept of enhancing uninsured motorist coverage through the combination of limits across multiple policies.