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We are family with lots of cars, 5 and only two drivers. We switch off depending on what we are doing. Commuting, I drive my 2 seater and wife drives her suv. Family outing we take our big sedan, trip to the boat, we take my suv with tow package.

I'm paying for insurance on each car as if I drove each every day. I like to have good liability coverage in case of an accident and want to cover anyone we might hurt. We keep a high deductible to help with cost. My question is, can I have one car covered with great liability and all of the others with just the minimum and if in an accident with the latter, would my full liability be in play? Is there an insurance that simply follows what car you are driving or better yet just follows who is driving?

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    You really should discuss the situation with an insurance representative to make sure that you have the right coverage for each vehicle considering how they are used.
    – ColleenV
    Commented Sep 29, 2021 at 18:02
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    I’m voting to close this question because it's about financial planning not the law
    – Rick
    Commented Sep 29, 2021 at 19:18
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    What auto insurance may and must cover, adn how policies may be structured is generally tightly regulated at the state level in the US, so whether this is even possible is a matter of law, and this should not be closed as a non-law question. Commented Sep 29, 2021 at 19:36
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    @DavidSiegel Car insurance companies typically require the same level of liability on all cars insured through them, so I believe the legal requirements from the state are more forgiving than what the insurer will do. I'm not arguing the question should be closed though.
    – ColleenV
    Commented Sep 29, 2021 at 20:11
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    @ColleenV that could be part of a relevant answer. Indeed one possible answer is that the way to do this is to use multiple ins companies. But IMO there is still a legal issue here. Commented Sep 29, 2021 at 20:15

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Is there an insurance that simply follows what car you are driving or better yet just follows who is driving

The answer is simply No.

Unfortunately not!

can I have one car covered with great liability and all of the others with just the minimum and if in an accident with the latter, would my full liability be in play

  1. regarding insurance for paying damage to the other person (when you hit someone)

  2. in Cali. (and essentially, everywhere on Earth), you MUST (legally) have such insurance on every single separate vehicle. end of story. there's nothing to discuss and no other angle.

  3. regarding coverage on "your" vehicle for damage, theft, etc. it's entirely up to you. you can have none whatsoever, or, total coverage.

  4. specifically regarding your situation, it's totally commonplace and insurance companies have "deals" for people with many cars and cars they don't use often. sometimes they're based on low-mileage per year on a certain car etc. Simply shop for a good deal in your specific situation.

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