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If you have two insurance policies, the policy that is considered primary is typically the one that pays benefits first before the secondary policy.

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5mo ago

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Which insurance policy takes precedence if I have two insurances, one of which is primary?

If you have two insurance policies and one is designated as the primary policy, the primary insurance policy takes precedence over the secondary insurance policy in terms of coverage and payment.


How is a theft of a vehicle work when there are two insurance policies?

The policy with the broadest scope of coverage is primary. The other policy with less coverage would be considered secondary and does not invoke until or unless the coverage from the primary policy is exhausted.


How are primary and secondary insurance determined?

It is usually written in an insurance policy if the policy is primary or secondary. If both policies have language that makes them secondary if other insurance is present then they may split the amount owed. State laws may change this.


If your husband and you are both covered by separate health insurance policies through your jobs which insurance is primary for each of you?

AnswerThe policy with your name on it is prime.


You have two full time jobs and you get insurance from both would they both be considered primary?

Only one can be the primary and the other the secondary. Choose the best for your primary and the lesser coverage for your secondary. With 2 insurance policies, you shouldn't have to pay for anything, unless the healthcare isn't included in either policy.


What does primary and non-contributory mean on gl?

Primary and non-contributory means that primary insurance is responsible for covering a loss first without contribution from any other insurance policies. If a policy is listed as primary and non-contributory, it takes precedence over other policies in the event of a claim.


Can a car be insured by two different companies at the same time?

Yes, you can buy as many insurance policies as you like. But you can not make the same claim with multiple companies for the same loss or that could potentially constitute a fraud. Your main Insurance policy ( typically that with the broadest coverage would be considered your primary coverage. Other policies (Trailing Coverage) can invoke if the loss you suffer exceeds the limits of the Primary Policy.


Can I have two primary beneficiaries for my insurance policy?

Yes, you can have two primary beneficiaries for your insurance policy.


What policies are offered by General American Life Insurance?

There are many policies offered by General American Life Insurance. These include the Variable Life Insurance policy, the Condo Insurance policy and the Boat Insurance policy.


What is secondary insurance?

Secondary medical insurance is a second level of insurance coverage.Under most circumstances, the two policies are independent of each other. One policy may pay for a service while the other may not. The primary policy must pay first, then the secondary. The choice of which policy is primary or secondary is established by a shared rule between insurance companies. It is not the policy holder's choice.Examples of Primary/Secondary coverage: A husband and wife both work and carry the medical insurance offered by their respective employers. The husband adds his wife to his policy. The wife adds her husband to her policy. Under most circumstances, the husband's plan would be his primary policy and his wife's plan would be his secondary policy. In like manner, the wife's plan would be her primary policy and her husband's plan would be her secondary policy.Secondary insurance should not be confused with supplemental insurance. Supplemental policies usually abide by the primary insurance guidelines. If the primary allows the charge, the supplemental will allow the charge. Most supplemental policies cover the charges you would normally pay out of pocket. For example: A Medicare supplemental policy would cover the 20% coinsurance left over after Medicare pays 80% of the allowed amount.


What year was the personal umbrella policy developed?

The personal umbrella policy was developed in the 1960s to provide additional liability coverage beyond the limits of an individual's primary insurance policies, such as auto or homeowners insurance.


Can you have two auto insurance companies?

Any individual can have two different auto insurance companies if they have more than one vehicle. If you find that rates are lower with one company for one vehicle and lower for the other with another company, you can carry two separate insurance policies.