Can you get your own car insurance even though the car is already insured in the owners name?

Answer 1

Yes, You may have more than one Auto insurance Policy on a vehicle. You can have 2 or even 3 policies on the same vehicle as well as an Umbrella Policy.

It is not uncommon and is perfectly legal to do so. What you can not do however is receive "Double Indemnity". That would be insurance Fraud and a felony offense in the United States. in other word you can't seek double payment from a covered loss or more simply, "you can't get paid twice".

Here is the established Legal precedence on Insurance Policies of all types on all types of property in the United States.

Policy 1 as Primary

When a covered loss occurs and more than one policy exists insuring the same risks. The policy with the broadest scope of coverage is considered the primary Coverage and will invoke to cover it.

Policy 2 as Primary

If the loss incurred is not covered by the first policy and is covered by a trailing policy then that policy steps up to Primary coverage for that particular loss.

Policy 2 as Secondary coverage

If and when the limits of the primary policy are reached or exceeded, the next active policy with the broadest scope of coverage will then invoke and act as Secondary coverage if coverage is afforded for the specified risk of loss.

Policy 3 trailing

If a third policy exists then it will do so in the same order in consideration of coverage scope and specified risks.

If an Umbrella Policy also exists, and this too is common, then it too will follow the exhaustion of any and all previous coverage afforded by active Primary or Secondary or even Third Place Coverage.

It is allowed, It is legal and Court precedence has been well established more than 100 years ago as to which policies will apply and in what order.

What you can not do is seek "Double Indemnity" for any covered loss. That would be illegal and a felony offense in the United States.