In Alamo Rent-A-Car v. State Farm, 114 Nev. 154, 953 P.2d 1074 (1998), the Court held that in cases where the lessee's own insurance policy and the policy provided by the lessor both contain mutually repugnant "other insurance" clauses, the driver's personal insurance is the primary insurer up to the statutory minimum. See id. at 160, 953 P.2d at 1077. Accordingly, the Court stated that absent a personal policy covering the driver, the lessor "will step in and compensate the victim up to the minimum limits." Id. In Alamo the Court determined that the lessee's personal insurance is "primary" and the lessor's insurance is "secondary," but we did not address the specific scenario at hand, wherein the lessee's personal insurance has been consumed to the statutory minimum and the damages incurred allegedly exceed that amount.