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The $500,000 limit (soon to be $725,000) in exactly that - a limit.
One of the claims was awarded less than the limit.
I happen to know that most of the claimants were offered the $500,000 limit many years ago - but refused to accept. There are a number of reasons for this which I will not go into - it's complicated.
Suffice to say it was not the insurer fault that this went to court!
TB
