See the full video at https://youtu.be/ruemXjs9KOI  There are three basic types of other insurance clauses. They can be broadly identified as pro rata clauses, surplus clauses or flight clauses.
Pro rata clauses usually stipulate that if other insurances exist, the insurer will pay its proportional share of the loss. Payment is usually made in the proportion that its insurance limit corresponds to the total limit for all other valid and group insurances. the coverage provided by all other valid and group insurances, up to the limits of the insurance containing the surplus clause. A true escape clause, sometimes called a "super escape clause", extinguishes all coverage for other insurance. It is often difficult to enforce it because it completely avoids responsibility. Many courts detest as a result of having an insurance company charge a premium and completely avoid paying a loss due to the inclusion of an escape clause in their policy.
© 2020 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to serving as an insurance consultant specializing in insurance coverage, handling insurance claims, cheating and insurance fraud almost equally for policyholders and policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become professionals in insurance claims.
https://zalma.com/zalmas-insurance-fraud-letter-2/ Last read two issues of ZIFL here.
Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/c-262921
Read posts from Barry Zalma at https://parler.com/profile / Zalma / posts  Listen to Podcast: Zalma on Insurance https://anchor.fm/dashboard/episodesZalma on Insurance
Go to Barry Zalma on YouTube – https://www.youtube.com/channel/ UCysiZklEtxZsSF9DfC0Expg /
insurance period library -https: //zalma.com/blog/insurance-claims-library/
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