It might be possible to have two separate auto insurance policies for one vehicle. Insurance guidelines differ, so you must ask your car insurance company to see if it’s allowed.
Typically, this type of double insurance on a vehicle is unnecessary and may go against underwriting guidelines since one policy covers all vehicle drivers.
It’s unnecessary to place two car insurance policies on the same vehicle. This type of coverage is hard to buy separately from all the liability coverage required on a policy. A co-signer can request to be listed as an additional insured on a policy and can be notified of a policy’s status just like a lienholder.
Each person in this scenario must have an insurable interest in the vehicle. So, while it might be possible for two people to insure the same vehicle through different companies, it might be difficult to find insurance carriers that would permit this.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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