There is an old saying "Don't try to stand in two canoes at once." Tho if truth be known I do switch back & forth from scientist to lawyer very rapidly - but that is another story.

Anyway - it sounds like you are saying that Haggerty will insure someone as a person for liability - not just a policy on each car. That should work. And I think that is the way it ought to be too. Just be certain that's what you have thru whatever ins. co. that writes your policies.