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What Does Stacking Mean on My Pennsylvania Auto Insurance Policy?

Last Updated: July 3, 2025

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Written By:   Attorney Michael L. Saile

Written By:

  Attorney Michael L. Saile

Stacking means that if you have two or more Pennsylvania auto insurance policies in your household, you can stack or combine the uninsured and underinsured auto insurance coverage of two auto insurance policies or two cars on the same policy. For example, if you have a car insurance policy and your spouse has a car with a separate auto insurance policy or your spouse is listed on the same auto insurance policy for a second vehicle, and further assume that you and your spouse both chose $100,000 in coverage for uninsured and underinsured auto insurance, if you choose stacking, you and your spouse will have $200,000 in uninsured and underinsured coverage. Stacking is a great idea because the cost to “stack” your household policies is very minimal. You cannot stack your liability coverage or your medical bill coverage. If you have further PA auto insurance coverage questions, contact our car accident attorneys serving Langhorne and other cities in Pennsylvania.

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Written By Michael L. Saile, Jr.
Managing Attorney at Cordisco & Saile

Serving as a personal injury attorney in Pennsylvania, Michael Saile has been honored as both a Brain Injury Top 25 Lawyer by National Trial Lawyers and a 2024 Super Lawyer. He earned his J. D. at Widener University School of Law where he was a member of the Moe Levine Trial Advocacy Honor Society. Saile is also the author of two publications titled “Not Another Bad Lawyer” and “Don’t Crash Again”.

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