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I am trying to find who owns an SUV with IL license#9876257?
Stacking generally applies to Uninsured and Underinsured Motorist (injury only) coverage.Stacking adds together your limit for that coverage, per vehicle in the household, on the same policy for claims.
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Eg: Let's say you have 15,000/30,000 UM/UIM coverage (which means max 15k per person/max 30k of coverage per loss). If STACKABLE, with another vehicle in the house, also with that same coverage, same limit -- you would then have 30,000/60,000 available to you if needed for a claim. Not guaranteed, mind you, just available. If not stacked, you only get the coverage of the car you're in, in this case the 15/30.
Most people find stacking cheaper than just raising individual limits, but it depends. (ie, stack 15/30 on two cars vs paying for 25/50 per car, non-stacked). Decide how much coverage you really need, then ask your agent to run the numbers both ways.
Hope this helped.
notify insurance company, or not?
This coverage applies to uninsured and underinsured motorist. This covers you and any passengers in your vehicle if you were hit by someone who does not have insurance-uninsured-or someone who doesn't have enough insurance to cover the medical bills-underinsured. A few states allow you to "stack" the coverage, or add it together. If you only have one car, then take unstacked because you would pay extra for stacked, and there is actually no benefit to it.If you have 2 cars on your policy, and your uninsured motorist coverage is written at $25k per person/$50k per accident, then you can "stack," or add that coverage. This would mean you could collect $50k per person, and $100k per accident (if there is more than 1 person injured in your vehicle, the most paid out is $100k). If you have 3 vehicles, then you could collect $75k per person, and $150k per accident.
It is very inexpensive to stack the coverage, and if you have more than one vehicle on your policy, it would be worth it to carry stacked coverage. Medical bills today add up so quickly, and there are a lot of people driving without insurance at all, and many not carrying enough coverage. It doesn't take much today to add up to well over $100k for an accident, figuring a medivac to the hospital, surgeries, x-rays, and everything else.
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