In case of insurance cover up one that seeks to pay off the actual loss for the instance, the policy that covers assets if there are two policies in trend the loss shall be shared by the both policies. In no casing can an insured obtain more than the actual financial loss he or she has incurred. On the other hand in respect of the benefit policies like the Personal Accident policy where the fixed compensation is paid no subject what the actual loss is. One may get more than the one policy.