Opinion ID: 885475
Heading Depth: 2
Heading Rank: 1

Heading: Collision Damage Insurance

Text: Coverage is provided for covered loss to a Rental Car caused by the Rental Car's collision with another object or its overturn. 1. ¶Since both policies provided coverage for the loss of the Mustang, it is necessary to look to the other insurance clauses of the policies to determine the scope of coverage each policy provided. The other insurance clause of the physical damage coverage issued to P.C. Rental by Empire provided: a. For any covered auto you own, this Coverage Form provides primary insurance. The auto rental insurance issued to Hudson by Visa provided: A. 1. Secondary Coverage file:///C|/Documents%20and%20Settings/cu1046/Desktop/opinions/99-448%20Opinion.htm (7 of 8)3/28/2007 11:41:07 AM file:///C|/Documents%20and%20Settings/cu1046/Desktop/opinions/99-448%20Opinion.htm This coverage is excess over any other collectible insurance including coverage on an automobile an Eligible Person owns. 1. ¶Pursuant to its terms, the Empire policy provided primary coverage, which was collected by P.C. Rental. In addition, the terms of the auto rental insurance provided that it was excess over any other collectible insurance. Pursuant to the terms of their respective policies, Empire paid P.C. Rental for the loss of the Mustang, minus a $1000 deductible, and Visa paid P.C. Rental's $1000 deductible as well as approximately $6800 in lost rental fees. 2. ¶Given the nature of the physical damage/collision coverage available, no determination of whether Hudson was an insured under Empire's physical damage coverage was necessary or possible under the policies. Based on the plain language of the two policies, we conclude that the District Court did not err when it concluded that P.C. Rental's physical damage coverage was primary coverage and that Visa's auto rental insurance was excess coverage. 3. ¶Affirmed. /S/ JIM REGNIER We Concur: /S/ J. A. TURNAGE /S/ TERRY N. TRIEWEILER /S/ WILLIAM E. HUNT, SR. /S/ JAMES C. NELSON file:///C|/Documents%20and%20Settings/cu1046/Desktop/opinions/99-448%20Opinion.htm (8 of 8)3/28/2007 11:41:07 AM