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More specifically, the insurer's inclusion of 4(1)(a)-(b) merely assures that an insured will be reimbursed up to the policy limits on the declarations page, while

More specifically, the insurer's inclusion of 4(1)(a)-(b) merely assures that an insured will be reimbursed up to the policy limits on the declarations page, while clarifying no windfall payments will be made, i.e., an insured will not receive duplicate reimbursement or payments exceeding the underinsured policy limits on the declarations page. Paragraph (4)(a)(1), for example, provides that an insurer will pay no more than the difference between policy limits. This clause clarifies that an insurer is simply obligated to make up the difference between benefits received from the underinsured party and the insurer. Though free of ambiguity when only one person is injured, the text's vagueness becomes evident when multiple insured parties are injured if the negligent party's policy has no separate per person and per occurrence coverage.

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