A lot of people on other websites have answered this, but clearly were guessing (no one backed it up with a valid resource).
I have two policies on one of my cars, due to my wife's' bad driving record would cost twice as much if I added her to the main policy covering all the cars (she is an excluded driver from the main policy). So I have a secondary policy for when she drives the one car. There is a clear division here, she is excluded as a driver by policy A, but is a named driver in policy B. But only for the one auto.
Certainly if SHE is driving and an accident occurs, then her policy kicks in, and I would not even call the other company, as they would have no involvement. You can have two life insurance policies for yourself, so there is nothing that says you cannot have two policies for one car. (Of course you could get tagged for fraud if you tried to collect on both for once incident).
I have two policies on one of my cars, due to my wife's' bad driving record would cost twice as much if I added her to the main policy covering all the cars (she is an excluded driver from the main policy). So I have a secondary policy for when she drives the one car. There is a clear division here, she is excluded as a driver by policy A, but is a named driver in policy B. But only for the one auto.
Certainly if SHE is driving and an accident occurs, then her policy kicks in, and I would not even call the other company, as they would have no involvement. You can have two life insurance policies for yourself, so there is nothing that says you cannot have two policies for one car. (Of course you could get tagged for fraud if you tried to collect on both for once incident).
