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Stacking UIM Coverage With Family Policies

By stladmin on September 21, 2021

Stacking allows you to combine the limits of UM and UIM (uninsured and underinsured motorist coverage) across many vehicles, increasing your protection against accident-related costs. If your coverage limits are higher, you may be able to pay less out of pocket for a covered insurance claim.

Keep reading to learn more about when you can stack and the types of accidents where stacking policies will apply. Please note that as of May 2020, Wyoming state laws allow stacking. However, your insurer may have put anti-stacking wording into their policies. We advise you to check with your insurer for any anti-stacking policies they may have.

How Wyoming Drivers Can Stack Family Auto Insurance Policies When They Have UM/UIM Coverage

UM and UIM Motorist Coverage

If you are hit by a driver who doesn’t have auto insurance, uninsured motorist coverage (UM) can assist in paying for your accident-related costs. If the at-fault driver’s insurance is insufficient to cover your bills after an accident, underinsured motorist coverage (UIM) can help.


If you have more than one car on your policy, you may be able to “stack” your uninsured and underinsured bodily injury coverage. The term “stacking” refers to the ability to combine coverage limits for several cars. This is handy for families with multiple cars. The maximum amount your insurance will pay toward a covered claim is known as the coverage limit. As a result, in Wyoming you can merge multiple coverage limits into a single larger limit. This will provide you with more protection in the event of a car accident involving an uninsured or underinsured motorist.

Stacking on One Car Insurance Policy

For instance, suppose you have two cars insured under the same insurance. On each vehicle, you have $25,000 in uninsured motorist bodily injury (UMBI) coverage.

Your UMBI limits would be increased to $50,000 per accident if you stacked your coverage under that policy. So, if you were hit by a vehicle that did not have insurance, your insurer would pay for your medical bills up to $50,000 after the accident.

Stacking Across Multiple Car Insurance Policies

Consider the following scenario: Two car insurance plans have your name on them. One policy is for a vehicle you own, while the other is for a vehicle owned by a member of your family. The UMBI coverage maximum on your policy is $30,000. The UMBI limit on your family member’s policy with your name on it is $25,000. If you choose to stack the two policies, your UMBI coverage limit will rise to $55,000. So, if you were hit by an uninsured driver, your insurer would cover up to $55,000 of your medical expenses after the accident.

The Types of Accidents Where These Policies Will Apply

UM and UIM coverage comes in a variety of forms, including:

Bodily Injury

Where an accident occurs causing bodily injuries to you or another driver, UM and UIM bodily injury coverage can help pay for your medical expenses after an accident involving an uninsured or underinsured driver. These coverages may be required or optional, depending on your insurer’s policy.

Property Damage

If an uninsured or underinsured driver destroys your property, UM and UIM property damage coverage can help pay to restore or replace it. Some coverages on your auto insurance policy may not be available, depending on your insurer’s policy.

It’s worth remembering that stacking only applies to the policy’s bodily injury portion. Property damage coverage cannot be stacked in Wyoming.

Schedule a Consultation With Steven Titus & Associates, P.C

Please contact Steven Titus & Associates, P.C. as soon as possible if you have been in a vehicle accident in Wyoming and need help in stacking your UM and UIM motorist coverage: (307) 257-7800. Our team has the knowledge and experience to offer you guidance and assistance.

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