what happens when multiple disability policies are held from the same insurer in excess of the maximum limit of indemnity

A$.$ The excess insurance is valid and payable at time of claim.

B$.$ The regular insurance is void and the premiums are returned to the insured

C$.$ The excess insurance is void and excess premiums are returned to the insured

D$.$ The regular and excess insurance are void and all premiums are retured to the insured