Home » Car Insurance Policy FAQs » Being on more than one Policy

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Can the same person be on more than one car insurance policy?

Yes, this is done by persons who own more than one vehicle. It is also possible to be listed in another car insurance policy owned by a parent or guardian if you are a teenager or you have a suspended license. On the other hand, there are some who own more than one car and decide to buy a multi-car insurance plan instead of several one car insurance plans. The multi-car insurance is one document which makes it easier to monitor and is more convenient, not to mention the possible discount on the premium that one can ask the insurance company for.

One reason why you would want separate car insurance policies for each car would be because you plan on selling one of the cars (or all) eventually and you want to avoid the hassle of paperwork with the DMV and the insurance provider.

It is important to note that if you plan on having several plans with different companies, you must be careful about making compensation claims on more than one policy for the same accident or incident. If you do file more than one claim, it would be considered double indemnity which is considered a felony insurance fraud.

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