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;
Other insurance clause;
Stand-alone excess policy;
Umbrella liability policy.
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