Uninsured/Underinsured motorist coverage – What is covered and what limits should I choose?

Uninsured and under-insured motorist coverage provides coverage for you and members of your family if you are injured in an accident caused by someone else without insurance or with low limits of insurance coverage. You can recover under uninsured and underinsured motorist coverage for any type of damages that you could recover from the insured driver. This includes economic and non-economic loss. Your uninsured and underinsured motorist coverage is linked somewhat to your tort selection. Uninsured and underinsured motorist coverage is not required in Pennsylvania. You can purchase coverage equal to your bodily injury liability limits. Coverage can be stacked or you can reject the stacking of coverage. If coverage is stacked, the limits are multiplied times the number of vehicles on the policy. The higher stacked limit is available per accident. Premiums are higher for stacked coverage than they are for non-stacked coverage. You should select limits and stacking based on your coverage needs and costs.