no. it is indemnity insurance which means

来源: gqc 于 2012-10-04 06:56:33 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

you can get reimbursed for your actual loss, not more. Just like if you are covered under two health insurance, one willl be primary, one will be secondary. You get coverage for up to your 100% cost, but not more. Like earlier post said you maybe able to get one of your premium back due to mistake.