What is the priority of coverage after the primary policy is exhausted?

An insurer paid to repair an insured vehicle, but the repairs did not restore the vehicle to its pre-accident condition.

In Blakely v. State Farm Mut. Ins. Co., 406 F.3d 747 (5th Cir. 2005), the court ruled that an auto insurer was not liable for paying diminished post-repair…