Cấu trúc & Điều khoản hợp đồngCâu 524 / 531
A policy contains an excess other-insurance clause. When another policy also covers the same loss, the excess policy:
a.Shares in proportion to the two policy limits
b.Pays half the loss alongside the other insurer
c.Is void because of the duplicate coverage
d.Pays only after the other insurance is used up
Giải thích
An excess clause puts that policy behind any other collectible insurance, so it pays nothing until the primary limit is exhausted and then only what remains. That differs from pro rata sharing, where each policy contributes according to its limit. When two policies are written on different terms, the resulting non-concurrency can leave the clauses in conflict and the insured with less than expected.
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