Can I have two auto insurance policies?

You can have auto insurance on each of your cars or you can have one multiple car insurance policy on all. Another situation would be having 2 insurance policies on the same car. Insurance companies don’t all agree with duplicate coverage.

Some allow two physical damage coverage policies as long as it doesn’t extend to additional protection for the insured because it borders on indemnification. This means claiming more than what the car is worth.

With liability, a person can easily have more than one policy and be paid the full amount covered minus fees. This is also known as stacking which is not allowed in some states.