Affidavit Of No Other (Insurance) Template for the United States

When you need to confirm that no other insurance covers your car, property, or a specific loss, an Affidavit of No Other Insurance sets out that declaration under oath. This sworn statement supports insurance claims and transactions, helping prevent fraud while keeping things transparent between you, your insurer, and any other party relying on the affidavit.

What is an affidavit of no other insurance?

It is a notarized written statement, signed under penalty of perjury, in which you swear that a named car, vehicle, or piece of property is not covered by any other active insurance policy. People also search for it as an "affidavit of no additional insurance", an "insurance affidavit", or simply an "affidavit of no insurance". The meaning is the same in each case: you are confirming, on the record, that there is no overlapping coverage the affidavit-holder should be aware of. You can browse related sworn statements on our affidavit templates page.

When do you need this document?

You'll typically need this affidavit at one of these points:

• Filing an insurance claim, where the insurer wants to confirm it is not duplicating coverage another insurer should handle.
• Applying for new coverage or switching providers.
• Financing a car or property, where a lender verifies the insurance arrangements on the collateral.
• After a car accident, truck accident, or motorcycle accident, where an insurer, adjuster, or an injury attorney asks you to confirm no additional policy applies before a settlement is reached.
• Supporting an injury claim, where medical bills and coverage need to be traced to a single responsible policy.
• Auto dealership sales and trade-ins, particularly when a buyer is changing insurance providers.
• Loan applications or refinancing involving insured collateral.

What information goes into the affidavit?

To be reliable, the affidavit should identify the asset and the person swearing to it precisely. For a car, truck, or motorcycle, include the make, model, VIN, and registration details. For property or a home, include a clear description or address. Your statement must expressly say that no other insurance policy covers that specific asset at the relevant time. Think carefully about coverage you might overlook, such as a policy held by a family member, an employer's plan through work, or previous coverage that is still active, since an honest, complete declaration protects you if the statement is later questioned.

How does this affidavit fit into an accident or injury claim?

After a truck accident or motorcycle accident, more than one insurer may be involved, and each wants to know exactly which policies apply before agreeing to a settlement. Confirming there is no other coverage keeps the process moving, so the correct insurer handles the injury claim and the associated medical costs without waiting on a duplicate policy that does not exist. Record the time of the accident, the parties involved, and the specific vehicle, and give the notarized affidavit to whoever requested it, whether that is an insurer, an adjuster, or an injury attorney.

Do I need a lawyer to complete it?

You can prepare and sign this affidavit yourself. It is a standard sworn statement rather than a court filing, so many people complete a free template, fill in the specific facts, and have it notarized. If a car accident, truck accident, or personal injury matter involves larger sums, the party requesting the affidavit may have wording they prefer, so check what the requesting insurer or lender needs before you sign.

How is it made valid?

Notarization is what gives the affidavit its weight in most states. You sign in front of a notary public, who verifies your identity and witnesses your signature. Because it is sworn, a false statement can carry criminal penalties under perjury and insurance fraud statutes. Keep a copy for your records, and give the signed original to the insurer, lender, or attorney who requested it. Once your rules are set, you can reuse the same trusted format each time a similar situation comes up, saving time on every new claim or sale.