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A Video Explaining "Other Insurance" Clauses in Liability Insurance Policies



See the full video at https://youtu.be/ruemXjs9KOI [1965653] There are three basic types of other insurance clauses. They can be broadly identified as pro rata clauses, surplus clauses or flight clauses.

Porata 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.

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