Fundamentos de Seguro de PropiedadPregunta 258 de 531
The clause that determines how a loss is shared when two or more policies cover the same property is the:
a.Coinsurance (insurance-to-value) clause
b.Salvage and abandonment clause
c.Subrogation (right of recovery) clause
d.Other insurance (pro rata) clause
Explicación
An other-insurance clause, commonly using a pro rata method, coordinates payment when more than one policy covers the same loss so the insured is indemnified but not overpaid. Each insurer pays its share based on the proportion of total coverage it provides. Coinsurance addresses whether enough insurance was purchased, and subrogation lets an insurer recover from a responsible third party after paying a claim.
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