Whatever policy form you use, it has to be approved by the state insurance commissioner. No state will allow an insurance company to add, for example, house insurance to a personal auto policy.
I’m going to answer what I think you meant (think you submitted the question too fast!)
You can have several different policies, and I’ve seen it all. You can have 5 commercial policies, medicare and medicaid, for example. It doesn’t mean that anyone gets paid more, but it reduces the chance of your having out-of-pocket responsibility. Example, if a doctor bills you 100 dollars, your first insurance pays 44, and says you have a $30 copay. Well, the next insurance policy will tackle paying your $30 copay, so you don’t owe anything.
If you had auto insurance that covered medical treatment sought by an accident, they would pay YOU directly (trusting that you took that payment to the hospital or doctor). Your normal insurance would pay, too. Then they would find out if you paid the hospital like you were supposed to, and then get any overpayment back.
Look up subrogation
Another thing that I happen to know about: If you crash your own car into your own house, possibly your home insurance and auto insurance will pay. Haha
That included what?
Whatever policy form you use, it has to be approved by the state insurance commissioner. No state will allow an insurance company to add, for example, house insurance to a personal auto policy.
I’m going to answer what I think you meant (think you submitted the question too fast!)
You can have several different policies, and I’ve seen it all. You can have 5 commercial policies, medicare and medicaid, for example. It doesn’t mean that anyone gets paid more, but it reduces the chance of your having out-of-pocket responsibility. Example, if a doctor bills you 100 dollars, your first insurance pays 44, and says you have a $30 copay. Well, the next insurance policy will tackle paying your $30 copay, so you don’t owe anything.
If you had auto insurance that covered medical treatment sought by an accident, they would pay YOU directly (trusting that you took that payment to the hospital or doctor). Your normal insurance would pay, too. Then they would find out if you paid the hospital like you were supposed to, and then get any overpayment back.
Look up subrogation
Another thing that I happen to know about: If you crash your own car into your own house, possibly your home insurance and auto insurance will pay. Haha