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its always great news when you get an offer from the underlying insurance company the person at fault for the accident and that offer is their policy limits but what you need to understand is before you accept those policy limits you need to make sure that you put your own insurance carrier on notice that youve received a policy limits offer let me give you an example say you get in a car accident and the person that hits you has thirty thousand dollars in insurance the minimum policy that you can carry in Maryland and say that insurance company comes to you after reviewing your medical bills your records and all the other things that you submit to them and says were gonna pay you the policy limits of thirty thousand dollars well thats great thats amazing news say at the same time you have an under insured motorist policy that covers a hundred thousand dollars in that scenario youd still have seventy thousand dollars that you could seek from your own insurance company but in ord