Great write up jiggles! You touched on many points in which I was aware of, but I guess really didn't take seriously. I'm sure they're others on the same boat! Hearing about what Alex is going through, it saddens me that it would take such a thing as this to rethink my policy and even force me to take action and up my policy. I'm not in the 300/500/50 range, nor did I ever take the least coverage available (insane), but I did make some necessary changes.
I really think you should create a thread intended to be stickied (if not this one), in which you explain insurance for others as you did so clearly. It should have comments pertaining to others experience with accidents and payouts etc. Would be bitter sweet.
Again, great write up.
