What is the name of your state? NJ
I'm wondering, is there a benefit for a husband and wife to each have their own auto insurance policy vs. one spouse being the primary and simply listing the other as a driver on the policy?
If each spouse had their own policy, would that make additional coverage available in the event of an accident? For example, if each spouse had an individual policy and they were in an accident together, could 1 spouse file a PI claim on the at-fault policy and then file an additional claim on their own policy on the "underinsured" coverage.
I hope this makes sense and isn't confusing. Having recently been involved in a very serious accident and paying much closer attention to my renewals, I'm wondering if it's beneficial for my wife and I to each have our own policies.
Thanks for the feedback.
I'm wondering, is there a benefit for a husband and wife to each have their own auto insurance policy vs. one spouse being the primary and simply listing the other as a driver on the policy?
If each spouse had their own policy, would that make additional coverage available in the event of an accident? For example, if each spouse had an individual policy and they were in an accident together, could 1 spouse file a PI claim on the at-fault policy and then file an additional claim on their own policy on the "underinsured" coverage.
I hope this makes sense and isn't confusing. Having recently been involved in a very serious accident and paying much closer attention to my renewals, I'm wondering if it's beneficial for my wife and I to each have our own policies.
Thanks for the feedback.