[ADY]

Appreciate everyone's feedback; insurance policies and the fine print are written to the point you need a law degree to understand, and you only figure out what you don't know when the s$%t really hits the fan. Had someone with minimal coverage hit us years ago and luckily our coverage included 'under insured', so ended up fighting with our own insurance to get paid policy limits.

Sticking with my "Guaranteed/Agreed" value policy and will look to quotes from Grundy to see if I can get a better rate.

thanks!