Opinion ID: 2395601
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Heading: Coverage and Limits Nationwide's Insurance Policy

Text: Seeman was insured by an automobile liability insurance policy issued to him by Nationwide. The policy provides single limits of liability coverage for property damage and bodily injury in the amount of $100,000 per accident. The policy contains a limitation of coverage which reads, in pertinent part, as follows: B. This coverage does not apply, with regard to any amounts above the minimum limits required by Delaware law, to: . . . . 2. Bodily injury to any insured or any member of an insured's family residing in the insured's household. The parties agree that the Nationwide policy was issued as a Delaware automobile insurance contract. The policy contains the provision that [a]ny terms of this policy which may be in conflict with statutes of the state in which the policy is issued are hereby amended to conform. At the time of the accident, Seeman and Daniel were both residents of Delaware. Seeman's automobile was registered in Delaware. As a result, Delaware statutes, common law, and public policy control the terms of this contract.