Although, insurance carriers don'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.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It used to be a fairly common practice to "overlap" policies when coverage was replaced so as to avoid any gap in coverage. These days, however, that practice has become unnecessary with the advances in technology used by most insureres and thier agents. In most cases, agents have direct binding authority granted to them by the companies they represent which means that once the application is signed, the initial premium paid and the new business is released, your new coverage has been bound. If it is replacing coverage provided by a former carrier, your new insurance professional can also prepare a formal cancellation request form for your signature and forward that to your previous company for their handling.
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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.