§ 26-18-120 — Overinsurance; same insurer

"If any accident or sickness or accident and sickness policy
previously issued by the insurer to the insured is in force
concurrently with this policy, making the aggregated indemnity
for .... (insert type of coverage or coverages) in excess of
$.... (insert maximum limit of indemnity or indemnities), the
excess insurance is void and all premiums paid for the excess
shall be returned to the insured or to his estate." or, instead:
"Insurance effective at any one time on the insured under this
policy and a like policy in this insurer is limited to one (1)
policy the insured, his beneficiary or his estate elects, and
the insurer shall return all premiums paid for the other
policies."