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Those who even notice punctuation let alone understand the true impact of those humble little characters seem to be too few and far between.

Happy New Year! You know what that means: It’s time for your 2016 New Year’s Resolutions, and I ask the industry to stop ignoring punctuation.

You may recognize this to be a corollary or logical offshoot of my ongoing resolution of prior years, to “read the forms,” and you would be right. Let’s move on to the more precise subset of form-reading at hand. Alert reader “Q” sent me the following question, which relates to a claim involving a carrier-specific liability form:

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