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Can you have more than one auto insurance policy on one vehicle?

Yes, it may be possible to have more than one auto insurance policy on one vehicle if there are two different people that want to purchase insurance for one car. However, finding insurance companies that would allow this "duplicate" coverage will likely be difficult.

Insurance guidelines differ so you would have to check with various insurance companies to see if you can find one that permits what you want. Typically this type of double insurance on a vehicle is not necessary and may go against company underwriting guidelines, since hopefully one policy would be able to cover all the drivers of the vehicle.

A situation that we can think where two car insurance policies might be placed on the same vehicle is if there is a co-signer on a car that wants insurance on it in case the primary driver does not keep their insurance on it as they should. This type of coverage is hard to buy separate from all the liability coverage that is required on a policy. Furthermore, a co-signer can request to be listed as an additional insured on a policy. They are then notified of policy status, just as a lien holder is notified.

Each person in this type of scenario would have insurable interest in the vehicle. If the drivers involved did not have insurable interest in the automobile, than it could be difficult for them to place coverage on it.

So while it might be possible to have more than one car insurance policy on a vehicle it might be difficult to find an insurance carrier or insurance carriers that would permit this since normally one auto insurance policy is typically all that is needed to cover a car and its drivers.

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