Uninsured/underinsured motorist bodily injury - vehicle stacking In Florida, you have the option to stack your coverage for uninsured/underinsured motorist bodily injury. Selecting this option multiplies your limits by the number of vehicles in your household. For example, if you select stacking, have 2 vehicles in your household, and choose coverage limits of $50,000/$100,000, your limits would double to $100,000/$200,000. If you have 3 vehicles in your household and choose stacking, your $50,000/$100,000 limits would increase to $150,000/$300,000. If you're only insuring one vehicle, stacking will only offer a benefit when another household member has a separate policy that also includes stacking for his or her vehicle(s). If you choose uninsured/underinsured motorist bodily injury coverage, you must select either the stacked or non-stacked option. (Keep in mind, though, that stacking will increase your premium). If you decline uninsured/underinsured motorist bodily injury coverage, you must select 'I decline' as your vehicle-stacking option.