What does an insured receive if they have dual coverage and submit a claim?

When an insured has dual coverage and submits a claim, the process involves coordination of benefits between the two insurers. The primary insurer is responsible for the payment of the claim up to its limits and within the terms of the policy. The primary insurer pays first, covering eligible expenses according to its policy's provisions, and can cover costs up to its maximum benefit limits.

Once the primary insurer has settled the claim, the insured can then seek reimbursement from the secondary insurer for any remaining expenses that are covered under the secondary policy. This means that the secondary insurer will pay for any excess costs that are not covered by the primary insurer, up to its own coverage limits. This system ensures that the insured does not receive more than the total cost incurred but can maximize their benefits through both policies.

The option stating that the insured receives payment from the primary insurer, along with any excess from the secondary insurer, accurately reflects this process of dual coverage and coordination between policies.