Helen and John both own automobiles on which they carry liability insurance.If Helen is negligent and has an accident while driving John's car,how will each insurer respond to any liability judgment against Helen?
A)The insurers will pay the judgment on a pro rata basis.
B)John's insurer will pay on an excess basis if Helen's insurance is insufficient to cover the judgment.
C)Helen's insurance will pay on an excess basis if John's insurance is insufficient to cover the judgment.
D)The policies will pay the judgment on the basis of contribution by equal shares.

Question

Quizplus · Accepted Answer

Helen's insurance will act as excess coverage, meaning it will only pay if John's insurance is insufficient to cover the liability judgment.

Helen and John Both Own Automobiles on Which They Carry