What does stacking allow the insured to do?

Stacking allows the insured to combine the limits of coverage for multiple vehicles to maximize compensation in the event of a claim. This means that if a policyholder insures more than one vehicle, they can pool the policy limits from each of those vehicles together to create a higher total limit of coverage. For example, if an individual has two vehicles, each carrying a limit of $100,000 for uninsured motorist coverage, stacking would allow the insured to access a potential total of $200,000 in coverage for claims related to uninsured motorist incidents. This can be particularly advantageous in serious accidents, as it allows for greater financial protection.

The other options do not accurately describe the purpose of stacking. For instance, increasing one's deductible may lead to lower premium rates but does not relate to the concept of stacking or combining coverage limits. Similarly, while reducing overall insurance costs could be a potential benefit of other strategies, it isn't a feature of stacking. Lastly, separating claims from multiple accidents does not align with the key function of stacking, which focuses on maximizing the available coverage across insured vehicles rather than managing claims from separate incidents.