Can I Overlap My Car Insurance? 
Although , insurance carriers do n't have access to information about other car insurance you may have and resulting overlaps , in case of a claim during the overlapping period it is not clear which insurance company liability that would be . That 's why it is highly advisable not to overlap any insurance , including car insurance . Life hack : most policies start/end at 12:01 AM on the day of inception/cancellation . If your existing policy is to expire on 12/31/2013 make sure your new policy starts on 12/13/2013 as well , otherwise , there will be a lapse in coverage . 