I have two insurance policies on one vehicle...

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Posted: Thu Sep 17, 2009 4:02 am Post subject: I have two insurance policies on one vehicle...

I have two insurance policies through two different companies on my car. but i only have collision coverage with one of the companies. i was involved in an accident last week, and when i made the claim to have damages taken care of i accidently filed the claim with the policy that doesn't have collision. would it be illegal for me to make the claim with my other policy so i can get my car fixed while i battle it out with the driver that hit me? the other driver is stalling and digging up a fake witness to get out of this whole situation. please. any help would be greatly appreciated.

crashcourse

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Joined: 17 Sep 2009
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Posted: Thu Sep 17, 2009 5:08 am Post subject:

Hi..
I don't think there should be any problem in filing a claim with the right one.

Quote:

the other driver is stalling and digging up a fake witness to get out of this whole situation.

Share everything with your claims rep. and I'm sure they're gonna investigate everything thoroughly. Roddick

roddick

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Posted: Thu Sep 17, 2009 10:53 am Post subject: insurance

Have a question for you, OP. Why would you have 2 DIFFERENT auto insurance policies on the same car? Why not get your Collision coverage through the same Co you have Liability through?

sdchargersfan

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Posted: Thu Sep 17, 2009 11:01 pm Post subject:

the two just happened to overlap. i still have another month or so wth the policy that has collision. (it was already paid off for the year) I just wanna make sure i don't get dinged for fraud or something. I know it it sounds pretty odd to me, and I'm the one dealing with it so i figured I'd ask someone in the know if this could blow up in my face and get me into trouble