Uninsured and underinsured motorist (UM/UIM) coverage pays when the driver who hurt you has no insurance, or not enough. Whether you can combine, or stack, the limits from several vehicles or policies to reach a larger total depends on your state's law and on your own policy's wording, and in some states on choices made when the policy was bought. Pick a state below for a real answer, cited to the relevant law.
Each state page below explains whether that state allows stacking, what the difference is between stacked and unstacked coverage, how UM differs from UIM, and how those rules change the total coverage you could actually collect. Every legal figure is tied to a cited source — see our methodology for how we verify each one.
Every state page provides general guidance only and is not legal advice. Figures are based on cited state statutes or common-law standards, verified per our methodology. Confirm how the law applies to your specific situation with a licensed attorney in your state before acting.