I have two car insurances, if I have an accident with one car, do I have to report it to the other insurance?

It’s not uncommon for some drivers to own multiple cars that are covered by separate car insurance policies with different carriers. For instance, you may have a daily driver covered under one provider and an antique or classic vehicle insured under another insurance provider. In other cases, you may have purchased a second vehicle for yourself or a loved one and, for whatever reason, decided to create a separate policy with another provider for that particular vehicle.

If the above applies, the only insurance provider you have to report an accident to is the one under which your vehicle is specifically covered. Given that the other vehicle you own isn’t involved, filing a claim with the other insurance provider isn’t necessary.

Another common scenario involves switching from one provider to another. Although it’s best practice to have your new car insurance policy’s effective date coincide with the end date of your old policy to avoid gaps in coverage, the two policies may overlap. If you have an auto accident during this overlap period, you should consult with your independent agent to determine the best course of action to take.

Remember, different insurers can cover different vehicles in your household fleet, but having two active policies on the same vehicle can bring about complications in the event of a claim and even result in a denial of coverage by one or both companies, plus it may not be allowed in your state, by your insurer or both. Don’t forget that our agents are always available to help answer the tough questions and work out your car insurance issues with you.

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