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If you wound up with 2 policies by accident and you intended to cancel one then the newer policy is considered primary.
If you have multiple policies for additional protection then you need to rely on policy language, intent and purpose as well as your state regulation to determine which policy is primary. Your agent should be able to clarify this for you.
In most US State jurisdictions if both policies are valid and policy language does not specify position then by default the policy with the broadest scope of coverage becomes primary and the other secondary coverage. Secondary coverage invokes when the limits of the primary policy are exhausted.
When economy is an issue it usually is cheaper to combine coverages with a single auto policy. Extended coverage may be better served by a personal umbrella policy.
AnswerSince auto insurance typically cover a vehicle, I am assuming you are using an example in which you are driving another vehicle insured by someone else. You, yourself, also carry insurance. In this case, then the vehicle involved with the accident will be the primary insurance in the claim. Your policy would be the secondary.If you what you mean is that you have accidentally gotten two different policies for two different cars, then you need to combine everything and have one policy for all cars in the household that you own. I know that there are times when a dealership has you get insurance to get off of the lot...or your agent isn't available...but you need one policy for all of your owned vehicles. If you have multiple policies for your cars, you could have claim problems and coverage conflicts, as each policy could have different limits and coverages.
If what you're saying is that you have two different policies for the same car, then you will definitely have claim issues, as all carriers report all claims to CLUE (Comprehensive Loss Underwriting Exchange) and will see your claims for the same vehicle under a different policy. It could be considered fraud and you could get into some hot water, as the claims unit may think you're trying to gain a double claim benefit from one incident. this is specifically prohibited if you read the policy contract wording in those many pages you get with the package of papers at each renewal.
You really should have ONE policy.
Hope this helps...
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Under how many insurance policies is ritchey covered?
2
Are under 25 years of age automatically covered on insurance policies?
No.
Can jewelry be covered under regular homeowners insurance policies?
nope
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No, vehicles are only covered under auto insurance policies. Homeowners insurance policies provide no coverage for automobiles.
Is phone fraud covered by homeowners insurance?
No. Fraud is not a covered peril under your home insurance policy. However, Many Home insurance policies do have coverage for certain kinds of theft.
Can rifle be covered under insurance?
Yes a RIFLE can be covered under insurance
Which companies offer drivers under 21 their own car insurance policies?
There are many different companies that offer car insurance policies to drivers under 21. In addition to one's local insurance company, one might also try Progressive.
Are cell phones covered under home insurance policies?
Sometimes it is, but coverage is subject to the policy provisions and deductible in your homeowners or renters policy. Make sure that you check with your insurance company.
Does car insurance cover tire vandalism?
Yes, vandalism is covered under comprehensive insurance policies. But if your deductible is too high, you may want to just pay for a replacement tire.
Is the loss of your dental appliance covered under your homeowners insurance?
No, but it may be covered under your dental insurance plan.
Does homeowners cover your house if your cars brakes goes out and it hits your house?
Yes, That would be a covered loss under most home insurance policies.
Are volunteer workers cover under commercial liability insurance?
Commercial Insurance policies are very specific. They may be or they may not be covered. It just depends on on what coverages you purchased when you bought your commercial liability insurance policy. If you bought the cheapest rate you could find, then you probably do not have coverage for volunteers. It's best to contact your insurance agent for clarification of who and what is covered under your Commercial Insurance Policy.
