Can I have two auto insurance policies on the same car?

Technically yes, but it’s almost always a bad idea. If you file a claim, both insurers will follow ‘other insurance’ clauses in their policies — usually splitting the payment proportionally, with each side covering deductibles separately. You won’t get paid twice for the same damage.

The legitimate use case for multiple policies:

• Non-overlapping coverage: e.g., a personal auto policy for daily driving and a commercial policy for business use of the same vehicle
• Excess liability: an umbrella policy specifically designed to stack above your auto liability

If you accidentally have two overlapping policies (often after a switch where the old one wasn’t canceled), cancel one immediately. You’re paying twice for no extra benefit, and insurers can deny one claim if double coverage was undisclosed.