You need stacking uninsured motorist coverage. Many insurers are not selling bodily injury liability coverage to careless drivers. If someone is texting and hits you, and you don’t have uninsured motorist coverage, then you are going to be left holding the bag on hospital bills and wage loss. Make sure you have it. Make sure it is stacking. If driver with PIP and PD only policy hits you, call Howell & Thornhill for a free talk about your rights.