Questions & answers · Travel insurance
How does Starr Indemnity & Liability's travel insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsStarr Indemnity & Liability
Under Starr Indemnity & Liability’s filed form, if a traveler is covered under more than one travel policy with the insurer for the same covered trip, the traveler may select which policy remains in effect [1]. The premium paid (less claims paid) for the duplicate coverage that does not remain in effect will be refunded [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] Starr Indemnity & Liability · AK · SERFF CLTR-129074254 · form LT 001 (03/2013) · p. 11
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. PHYSICAL EXAMINATION AND AUTOPSY: We have the right to physically examine a claimant as often as needed while a claim is pending. We may choose the Physician. We also have the right to have an autopsy performed in the case of death, unless prohibited by law. These will be done at Our expense. The following provisions will apply to Baggage Delay and Baggage / Personal Effects Coverage: NOTICE OF LOSS: If Your covered property is lost, stolen or damaged, You must: (a) notify Us, or Our 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; and (d) notify the police or other authority in the case of robbery or theft within 24 hours. … (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 Qdf9d7d68. Spotted an error? Tell us.