Questions & answers · Pet insurance
How does XL Specialty Insurance Company's pet insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsXL Specialty Insurance Company
Under XL Specialty Insurance Company’s filed form in Alaska (AK), if any claim under this policy is eligible for coverage or reimbursement by another insurance policy, this policy is deemed excess insurance [1]. The policyholder is responsible for notifying XL Specialty Insurance Company if other insurance is in effect [1]. Failure to notify may be considered concealment or misrepresentation and could void coverage [1]. This policy contains all agreements between the policyholder and the insurer, and changes or waivers require an endorsement issued by XL Specialty Insurance Company and made part of the policy [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] XL Specialty Insurance Company · AK · SERFF XLAM-131385444 · form GPTM 050 0118 · p. 14
© 2018 Fetch Insurance Services, LLC b. If any claim under this policy is eligible for coverage or reimbursement by any other insurance, this policy shall be deemed excess insurance. It is your responsibility to notify us if other insurance is in effect. Failure to do so will be deemed concealment or misrepresentation and may void coverage (see also Section VII. 7.). 4. ENTIRE POLICY This policy contains all the agreements between you and us. The terms of this policy may not be changed or waived except by an endorsement issued by us and made a part of this policy.
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 Q547c14ad. Spotted an error? Tell us.