motorist policies cannot be considered secondary or primary. However, in Dixie Ins. Co. v. State Farm Mut. Auto. Ins. Co., 614 So.2d 918, 922 (Miss.1992), a case involving uninsured motorist coverage, we held that the trial court correctly decided the host driver’s uninsured motorist insurer was the primary insurer. See 1 Alan I. Widiss, Uninsured and Underinsured Motorist Insurance § 13.3, at 725 (Rev.2d ed.1999). One reason offered for this rule is to require primary insurers to pay what is mandated pursuant to the provisions of its policy and required by statute. See Mississippi Farm Bureau Mut. Ins. Co. v. Garrett, 487 So.2d 1320, 1322 (Miss.1986). See also Preferred Risk Ins. Co. v. Insurance Co. of North America, 824 F.Supp. 614, 619 (S.D.Miss.1993) (applying Mississippi law) (<HOLDING>). ¶20. We find that the circuit court committed
holding that the excess carrier was liable only for the insureds deductible which was not covered by the primary insurer holding that excess coverage in four policies was not triggered until primary insurer satisfied the requirements necessary to trigger the excess insurers coverage and paid the full amount of its limits holding that a policy with an excess other insurance clause provides no coverage until a policy with a pro rata other insurance clause is exhausted holding assignable to injured party insureds claim against insurer for judgment in excess of policy limits holding that secondary insurer would incur liability pursuant to the provisions of its policy only as a provider of excess coverage and is not required to share pro rata responsibility for the insureds injuries