I don't know the answers to your questions, but one thing I do know is that OOP maximums have exceptions and are not absolute. So please don't treat them as a

I don't know the answers to your questions, but one thing I do know is that OOP maximums have exceptions and are not absolute. So please don't treat them as a 'maximum level of risk' or something like that. The insurance company can still screw you over, even if you do have an OOP maximum.