# Property & Casualty Exam Prep 12, Other Insurance and Subrogation

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-12-other-insurance-and-subrogation
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-12-other-insurance-and-subrogation.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-06-14T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/7b242117-ba88-4038-8a1a-fe8c81307c38.mp3
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JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/property-casualty-exam-prep-12-other-insurance-and-subrogation
Duration seconds: 209

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The 'Other Insurance' clause prevents an insured from profiting from a loss by ensuring multiple policies share the cost proportionally. - Primary coverage pays first up to its limit, while excess coverage only pays after the primary policy's limits are completely exhausted. - Subrogation is the insurer's right to sue the at-fault party to recover the amount it paid for a claim, which prevents the insured from collecting twice for the same loss. - An insured has a duty to protect the insurer's subrogation rights and cannot waive them or otherwise impair recovery after a loss has occurred. - A 'Waiver of Subrogation' is a contractual agreement made before a loss that prevents the insurer from seeking recovery from a specific third party, commonly used in leases. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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