“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
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.”