While it is perfectly legal to have two car insurance policies on the same vehicle, your insurance company will not insure the same car twice. You will have to purchase a second insurance policy with a different insurance provider and pay both bills.

Does auto insurance cover the person or the vehicle?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Does the registered keeper of a car have to be the main driver?

The main driver has to drive the car more often than the named driver. If they don’t, it counts as a type of fraud called “fronting”. But the main driver doesn’t necessarily have to be the owner or the registered keeper. If you’re married, one of you can own the car and be the registered keeper.

What happens if a friend wrecked my car?

Your collision insurance will pay for the damages to your own vehicle if your friend crashes your car, if you have that coverage on your policy, as collision is optional. So, if your friend is in a serious accident, the damages may go beyond your limits and that is where it gets interesting.

Can you have two auto insurance policies on the same car?

Instead of taking out two insurance policies on the same car, which would be a waste of money in most instances, explore your options. If the other driver has a clean driving record and zero accidents within the last three to five years, consider adding them to your policy as a driver of the vehicle.

Can you add another person to your car insurance policy?

If you want to add not only the person to your policy but their car as well, then it may get tricky. Most car insurance companies require that you have insurable interest in a car to insure it under your policy. In other words, you cannot insure a vehicle under your policy that you do not own.

Is it possible to insure more than one car?

However unless there is a good reason to do so it would likely cost you more to insure you cars this way. There are some state laws and carrier regulations that will not allow this, because of the liability implications. Insurance companies often grant a ‘multi-car’ discount to policies that have more than one vehicle on them.

Does car insurance follow the car or the driver?

It will depend on the exact terms of your policy, the state you live in, the driver in question and the type of loss suffered. When it comes to your car insurance, there are coverages that can follow you as the driver, or your vehicle. That’s why having the appropriate car insurance coverage is so important.