Individual state laws may impact what types of exclusions are named in an insured's auto policy. Individual state laws may impact what types of exclusions are named in an insured's auto policy. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

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