It’s called “They own the business and can set whatever rules they like”
If you don’t like their polices, you can switch to a company you are happier with.
You should be able to have one policy only that lists all 5 autos.
You would get a declaration page that will list each auto on that page. By each auto, it will show the make/model and the coverage for that auto. Since 4 of them would have full coverage, it will show both collision and comprehensive on it also. But for the 5th with liability only, it would show only liability coverage only.
That is what the insurance agent is most likely talking about. You have 1 policy for 4 drivers, 5 cars and 4 with full coverage and 1 with liability only. It’s also cheaper to have multiple cars on one policy vs having 2 separate policies.
hope that makes sense.
good luck
yes she is correct. it would be very complicated for YOU if thier was an accident. its ok, go with the flow
There’s no reason for it, it’s just company policy…
Talk to your agent again. Even if it’s on the same policy, you should be able to have the fifth vehicle covered with liability only. If she can’t figure out how to do it, then maybe it’s time to go shopping for a new insurance agent.