Ok so I was in a car accident in Kansas and the driver that hit me only had a 50,000 dollar policy I accepted it with permission from my insurance company. I do recall the adjuster from my insurance advising me that she converted my mo policy to a ks policy so I had pip coverage. However I am going after my underinsured policy and the adjuster is telling me because I have a ks policy my underinsured policy is canceled out because policy limits are the same at 50,000 I have never lived in ks and the adjuster converted my policy from mo to ks on her own behalf. I know that is not legal for her to convert my policy like that. How do I handle this now?