Acelockco:
I think the prior accident is considered a pre-existing condition and so even if you choose to upgrade, there will be parts where the upgrade will not be applied. & depending on what categories you used, it may not be worth upgrading for the remaining ones.
BamaCaveDiver:
It's great that you pay the same. Many companies increase what you pay after an incident. I was just wondering how the lifetime maximum would be applied by DAN as an injury or accident would qualify for many categories. So yes, that makes sense