PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Can my brother and I insure the same vehicle on different policies?
Can two people insure the same car or is that illegal? I have been borrowing my brother's car for so long that he ended up just giving it to me. I have gotten my own insurance, but when my brother removed the car from his policy, the cost of his new car went way up! It will save him more money if he keeps my car on his policy too.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It is not illegal to insure one vehicle with more than one policy, but it is frowned upon by insurance carriers.
There are a few reasons why it would be better if the car was listed only on your policy.
- If your car is in an accident and a claim is filed, you can not be paid out more than once on the same vehicle. Since two policies cover it, there will be a delay in the payout while the insurance companies sort everything out.
- There is also a chance that once your brother’s carrier finds out the car is double insured, the carrier will remove the vehicle from his policy effective the date your coverage started.
This would create a significant past due payment for your brother.
If your brother is no longer happy with his
car insurance
, advise him to get a new quote for car insurance online
. He may even have better luck by using the free app
Jerry
. Jerry compares prices with over 45+ carriers and delivers the lowest rates right to the app.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies