If one vehicle is insured by two separate policies, by two separate drivers, and one driver gets into an accident, will there be a problem with coverage of the vehicle? I am insured by PGAC and my mom by Mercury. Mercury told my mother that if I were to be in an accident there would be a problem with me being covered. How can that be if I have my own policy?

Most states and carriers do not allow duplicate coverage, however in some instances it may be allowed based on certain criteria. For instance, you as the child are a student away from home at school with the vehicle there are policies in some states that may be purchased to cove...

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