Is there any reason why I can't have two insurance policies on the same car?

Can I be covered on two insurance policies? I have been listed on my mom's State Farm's insurance policy for years. I finally was able to get my own policy with The General but we noticed it is really cheap to keep me and my car listed on her policy, too.

Answer
“It is not illegal to have two insurance policies on the same car, but insurance carriers will not allow you to have a duplicate payout on the same accident.
This is called double-dipping.
The purpose of insurance is to make you “whole” after an accident, not better or worse.
It is very likely that within the first 60 days of your new policy, The General will contact you with questions about the duplicate coverage.
Since the carrier wants to avoid this situation, it is possible for them to cancel the new policy if you don’t cancel the State Farm policy.
If both policies remain active and there is an accident, in most cases the claim process will take much longer.
The carriers would communicate and either both pay out a percentage of the loss, or they would decide which one of them will pay out in total for the loss.
You would not get a double payment.”
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Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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