Questions & answers · Travel insurance
How does American Modern Home Insurance Company's travel insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsAmerican Modern Home Insurance Company
Under American Modern Home Insurance Company's filed form for Alabama (AL), if a traveler is covered under more than one travel policy with the company for the same trip, the traveler may select which policy remains in effect [1]. Premiums paid (less claims paid) will be refunded for the duplicate coverage that does not remain in effect [1]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (1)
[1] American Modern Home Insurance Company · AL · SERFF AMMH-126504031 · p. 32
OTHER INSURANCE WITH US: You may be covered under only 1 travel Policy with Us for each Covered Trip. If You are covered under more than 1 such Policy, You may select the coverage that is to remain in effect. In the event of death, the selection will be made by the beneficiary or estate. Premiums paid (less claims paid) will be refunded for the duplicate coverage that does not remain in effect. The following provisions apply to [Baggage/Personal Effects], [Baggage/Personal Effects –Business Equipment Only], [Baggage/Personal Effects – Sports Equipment Only] [Baggage/Personal Effects –Wedding Related Only] [Lost Baggage], [Hotel Burglary], and [Baggage Delay] coverages: [NOTICE OF LOSS. If Your covered property is lost, stolen or damaged, You must: (a) notify Us, or Our [Agent][Administrator] as soon as possible; (b) take immediate steps to protect, save and/or recover the covered property: (c) give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage; (d) notify the police or other authority in the case of robbery or theft within 24 hours.] [PROOF OF LOSS. You or Your designated representative must furnish Us or Our authorized [Agent] [Administrator], with Proof of Loss. This must be a detailed statement. It must be filed with Our authorized [Agent][Administrator] or Us within 90 days from the date of Loss. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qc103cd56. Spotted an error? Tell us.