Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 13, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Gary, IN

Asked on 10/13/2011

Is it normal for an insurance company to ask for proof of insurance on an auto you are removing from them? My insurance company"s secretary failed to process my payment one mnth..a month later i was in an accident and found she had not done the payment. She was fired and the company agrees to process my claim. In the process my husband insured his car else where and doesn"t trust them. They just asked me for proof that he really has insurance somewhere else and says its part of their policy. Is this true and Why?

Answer given on October 13, 2011

Insurance companies will sometimes ask for proof of insurance on another car in the household if you are removing it from their coverage. Since they are insuring your vehicle, they do have the right to know if other cars in the household are insured. The insurance company did the right thing by covering the loss that your husband had with his car since the payment was not properly processed. The company may want to see if your husband replaced his insurance elsewhere before the accident they have agreed to cover. It may be they want to be sure they are responsible to handle the loss, or if there was other insurance in force at the time of the accident.Be aware that by splitting up your insurance between two insurance companies you may lose discounts on both cars, such as a multi car discount and and loyalty discount. You also need to be sure you have the same liability limits so there is no problem there.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.