Which of the following is true with respect to Coordination of Benefits (COB).
I. Under COB, both the primary and secondary payer pays all the benefits that are covered by the policy.
II. Coordination of benefits is designed to prevent duplication of benefits when a person is covered by two or more policies.
III. COB prevents overpayment/multiple payments of a claim by more than one carrier.
IV. Under COB, both primary and secondary carrier pays the claim at the same time.

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