Is it legal to rate a driver on two different auto policies in NC?

Is it legal to rate a driver on two different auto policies in NC?

We are trying to find information for the NC Auto insurance manual that states that you can'-t "-rate"- a driver on two separate auto policies? Both drivers have a separate auto policy and live in the same household.


You can't find it, because there's no such thing. You CAN rate a single driver, on two different policies. It's common practice. The ONLY way to get around it, is combining the vehicles under common ownership onto ONE policy, and then each driver only gets rated once. But then the insurance company gets to assign the highest rated driver, to the highest rated car.


I don't think they would be rated twice IF they are with the same company. They can be rated twice if the companies are different.Not sure though. Ask your agent.



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