保单结构与条款第 524 / 531 题
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
解析
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.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- The suit against us condition in a property policy provides that the insured may sue the insurer only if:
- After a covered glass loss, the insurer notifies the insured that it will replace the glass rather than pay cash. This is permitted because:
- A warehouse is covered by two policies on the same property, one for $100,000 and one for $300,000, each with a pro rata other-insurance clause. A $40,000 covered loss occurs. The $100,000 policy pays:
- After a driver damages the insured's fence, the insured signs a paper releasing that driver from all claims and then files with his own insurer. The effect is that:
- A homeowner intentionally sets fire to his own insured house. Under the standard mortgage clause, the mortgagee:
- An insured sells his building and tries to hand the property policy to the buyer. That assignment is effective only if:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对