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A recent decision of the Alberta Court of Queen's Bench demonstrates that policy holders must carefully consider the interplay between an insurance policy and its endorsements.

In a recently reported case, Kovacevic et al. v ING Insurance Company of Canada et al., 2015 ONSC 3415, the court has ruled that an insured may not settle an action for less than the tortfeasor's available policy limits and then bring an action against their own automobile insurer for underinsurance coverage.