Originally Posted by
MDtR-Chicago
My understanding is that it means the opposite. Because Chase is secondary, you must first file with the third party carrier and Chase will cover the excess above what the third party covers, up to its limit. Third party pays first.
You're right. I've been focusing on making sure I have full coverage between Chase and the other insurance rather than who comes first. For future reference, why would I care who comes first?
Alas, I'm finding other insurers have much stricter cancelation triggers than Chase does regarding family members. Chase includes hospitalization of the family member, while others require being necessary for the care of the family member, which even insurance agents tell me has too much uncertainty for comfort.