(Unfortunately my son is not an insured driver on my policy) The car from a visual standpoint looks totaled. As far as i understand, my coverage is only liability, but i am looking at my policy and i see that i have an "Uninsured motorist - Stacked" Coverage point, Which is covered up to $15,000. Now my question is does that mean that my son's accident is covered? Because my understanding was that my policy only covered damages to other vehicle's, persons, and property. Am i missing something? Is my son's accident covered based on the information given on my declaration's page?