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Double CoverageYes, It is not uncommon to have more than one auto insurance policy on the same vehicle. There are legitimate reasons why more than one policy might exist for the same vehicle.

Under the principle of Indemnity and the color of Law. Should a loss occur, the applicable policy with the broadest scope of coverage would automatically be treated as the primary insurance policy. Coverage from the secondary policy would only invoke should the policy limits of the primary be exhausted.

Bare in mind that to seek double indemnity would constitute a felony insurance fraud.

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Q: Can an individual have two insurance policies on the same car?
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