22. Concurrent insurance
When two or more contracts arranged with different insurers cover the same goods against the same risks, in an identical period of time, the policyholder or the insured must, unless agreed otherwise, inform each insurer of the other insurance he or she has arranged.
Should a loss occur, the policyholder or the insured must report it to each insurer, indicating the names of the others.
The insurers will contribute to the payment of the indemnity and valuation expenses in proportion to the sum they insure, and in no case may this exceed the total cost of the damages.
Within this limit, the insured may request indemnity from each insurer, according to the respective contracts.
If, due to wilful misconduct, this communication is not made, and, in case of over-insurance, a loss occurs, the insurers are not obliged to pay indemnity.