I apologize, Harold, I misread your original statement. You're right; IF the plaintiff has under-insured coverage (I don't remember seeing that this OP does, but I could have missed it in the long...

I can think of situations where you'd be right, and situations where you'd be wrong. But either way, the main point is that the insurance company is only liable up to the policy limits and not for...

Just clarifying a point that is obvious to people who work with insurance companies but may not be quite so obvious to people who don't. No shame to them - no one can be expected to know everything....