What is the insurer liable for if the insured has taken out a second policy with another insurer which covers the same loss?

What is the insurer liable for if the insured has taken out a second policy with another insurer which covers the same loss?

What is the insurer liable for if the insured has taken out a second policy with another insurer which covers the same loss on a provision of service basis or on an expense incurred basis, and the insured has not given written notice to the insurer of the first policy?
Nothing
The half of the dollar amount the first insurer would have been liable for had the insured not taken out a second policy
The proportion of the loss which would otherwise have been payable plus the total of the like amounts under all such other valid coverages

If a provision of an individual health insurance policy conflicts with the laws of Michigan what then is the status of the provision?
The policy provision takes precedence over the Michigan statute
It is void and has no legal standing
It is amended to conform with the minimum statutory requirements of Michigan law
Insurers providing expense-incurred medical policies typically must renew the policy at the option of the individual, however there is no guarantee for renewal if any of the following acts take place EXCEPT for:
Lack of payment
Failure to qualify for the policy

With regards to Disability income and related insurance policies an insurer is not liable to pay the total monthly amount of loss of time benefits promised for the same loss if it is more than the monthly earnings of the insured. But the insurer may not reduce benefit amounts below what sum?

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