The purpose of auto insurance is to pay for the vehicle that was damaged in the accident and restore the injured party to her position before the loss. The purpose of auto insurance is to pay for the vehicle that was damaged in the accident and restore the injured party to her position before the loss. (Shutterstock)

Analysis brought to you by FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to learn how to find answers to YOUR coverage questions — click here!

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