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The law is unclear about when Coverage Limits of driver are applied as a pro-rata. Intent of undreinsurance is to be a second layer of protection thus allowing lower mandatory property damage limits. I wish there would have been more clarity in this.
I had an accident and my car was partially damaged. I was making a U turn on a green arrow, and this car (Car A) broke the red light from oncoming side and hit my car (probably texting). The same car who hit mine also hit another vehicle that was parked on the curb (CarB). Insurance for Car A...
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