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Other sources of recovery
- noninsurance agreements
- negligent third parties
- other insurance in the same policy
- other insurance in a similar policy
- other insurance in dissimilar policies
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Noninsurance agreements
- lease making tenants responsible for damages
- credit card protection plan
- extended warranty
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Negligent third parties
- right to recover, even if TP doesn't have liability insurance
- labeled subrogation instead of 'other insurance'
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Other insurance in the same policy
- scheduled items may be covered by unscheduled provisions
- overlap between personal / commercial property
- medical expense may apply under liability, medical payments, and uninsured motorists
- in some cases duplicate coverage may allow stacking limits
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Other insurance in similar policy
- eg. owning HO insurance on soon-to-be-sold house and new house would duplicate coverage for personal property
- usually insurers share portions of the loss
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Other insurance in dissimilar policies
- valet parking may be covered by both general liability and commercial auto
- auto injuries while performing work-related activities - personal auto, medical insurance, workers comp
- most difficult type of coverage coordination to resolve
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