Insurance is a complex subject.
No one document, much less a website, could ever contain all the information to accurately describe every detail or potential circumstance that arises in any discussion of insurance. To further complicate the matter, insurance is regulated by the individual states. Each state has the ability to publish its own coverage forms, rules, and rate making procedures. And finally, each state has its own courts who interpret each coverage form and claim scenario, sometimes with startling differences. Therefore, before any person transacts any insurance related business, it is imperative that they review and understand the offer of coverage being made.