[davepl]

Not a lawyer, but I've seen them on tv: some insurance contracts have clauses that say if you have ANY other applicable insurance, you have to use it first. It's very common in health insurance, for example, so that if you get free health care through a spouse's work you have to use that up first before using your own.

So I'd be concerned that I could have two policies both of which said I had to use the other. Or even one that excluded the other, as it'd be doing no good.