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Personal auto other insurance clause. Car insurance Car and van insurance is available through our partnership with LV. The Consultant shall maintain minimum automobile coverage of a One Hundred Thousand Dollars 100000 for property damage Five Hundred Thousand Dollars 500000 for injury to one person any one occurrence and One Million Dollars 1000000 for injury to more than one personany one occurrence or b combined single limit of One Million Dollars 1000000 per. For example if youre insured under two liability policies and both of them state that they apply on an excess basis.

As long as the individual has permission to drive the car they are covered by the omnibus clause. The other insurance clause is a protection against overinsurance a situation in which multiple insurers pay out claims for the same loss. Updated October 06 2020 In auto insurance an omnibus clause is a part of the insurance policy that extends coverage to individuals who arent specifically named in the policy.

It also extends coverage to those who are vicariously liable. A wide range of personal insurance products are available. Start studying PERSONAL AUTO INSURANCE.

Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. Personal Auto Policy We know how important it is for you to stay on the move. The driving other cars extension.

Automobile liability coverage in the amount of One Million Dollars 1000000 combined single limit CSL per accident. Auto and Other Insurance. Usually one policy is assigned as the primary insurance.

If your insurance is tied to you that doesnt mean youre automatically able to drive any other car. When other insurance clauses are inconsistent state law or a previous court decision may determine how the conflict is resolved. The primary insurance is the first coverage that will come into effect when the policyholder suffers an insured loss.