---
title: "Extract other-insurance, allocation, and deductible clauses"
url: "https://ailawframework.com/practice/insurance-law/extract-other-insurance-allocation-and-deductible-mechanics-across-a-pro/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-A20260923-3-US"
practice_area: "Insurance Law"
tier: "green"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Extract other-insurance, allocation, and deductible clauses

> Copy each other-insurance, allocation, and deductible clause into a table with the policy name, the clause heading, and the words of the clause, including any figure printed in it. Do not say which policy pays first.

Canonical page: https://ailawframework.com/practice/insurance-law/extract-other-insurance-allocation-and-deductible-mechanics-across-a-pro/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Green: AI drafts, lawyer checks |
| How AI is used | Copy each other-insurance, allocation, and deductible clause into a table with the policy name, the clause heading, and the words of the clause, including any figure printed in it. Do not say which policy pays first. |
| What the lawyer must review | Which policy responds is a question under the policies and under state insurance law. 15 U.S.C. § 1012 is the federal allocation of that regulation to the states. California Insurance Code § 790.03 includes misrepresenting to claimants pertinent facts or policy provisions relating to coverages at issue. You decide the order of payment. The table only collects the clauses. |
| Written for | United States |
| Applies to | [Extract other-insurance, allocation and deductible mechanics across a programme](https://ailawframework.com/practice/insurance-law/extract-other-insurance-allocation-and-deductible-mechanics-across-a-pro.md) |

## Checking plan

- What the AI does: Copy each other-insurance, allocation, and deductible clause into a table with the policy name, the clause heading, and the words of the clause, including any figure printed in it. Do not say which policy pays first.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The subsection letter inside § 790.03 was not pinned. Cite the section and the words, not a guessed paragraph.
- Do not apply an Australian contribution statute. None was used.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [California Insurance Code § 790.03, unfair methods of competition and unfair acts](https://california.public.law/codes/ca_ins_code_section_790.03) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*