Insureds often rely — incorrectly — on their agents, brokers or carriers to ensure they have the correct amount of coverage, even when their needs change.

Insurance is a contract between the insurer and the person insured.

Insurance companies sell to the insured the coverage requested: Carriers have no obligation to force, or even advise, the insured about the limits of liability of automobile liability insurance that should be carried by the insured. Rather, the insurer is obligated only to provide the insurance coverages ordered, as some insureds found out when they tried to convince a court to provide liability limits that were not ordered because they believed, as longtime customers, they should have been advised to carry higher limits.

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