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coincidental excess coverage

The term coincidental excess coverage refers to the insurance provided by what would otherwise be a primary policy but contains an "excess" type other insurance clause stating that, with respect to a particular set of circumstances only, the policy is providing excess coverage. In other words, the status of the insurance as excess rests on a coincidence of factual circumstances. For example, a business auto policy (BAP) may contain another insurance provision stating that it is providing excess coverage for any nonowned vehicle. For owned autos, the BAP would provide ordinary primary coverage, but for nonowned autos, the BAP would provide coincidental excess coverage. See also Excess liability "follow form" policy; Excess liability policy; Follow form; Lead umbrella; Other insurance clause; Stand-alone excess policy; Umbrella liability policy.


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