Know your policy limits up front

Front end destruction to a Saturn automobile.Image via Wikipedia
Recently a Delaware court upheld an insured's claim against an insurance company due to a lack of  uninsured/underinsured coverage on the insured's policy.  The court ruled that although the insured had rejected a $100,000 limit, the policy documents were sufficiently confusing as to lead to a reasonable expectation that at least the minimum limit, $15,000, was included.  The insured had gotten into an accident and had racked up medical expenses.  While the person at fault for the accident had coverage, their limits were used up quickly, leading to a lack of sufficient coverage for outstanding medical expenses.  The upshot here is to never assume and to make sure to read all policy documents carefully.  If you aren't sure then ask, don't ever assume.  This is especially importing in these days of online purchasing of insurance becoming more prevalent.  In this case the court ruled that the insurance company had to provide the minimum limit, $15,000. 
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