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What the lawyer makes us say: You have heard it before, but it is important, so here it is again. An insurance policy is the controlling document, and nothing in this blog changes or waives any policy language. You must refer to actual policy language, whether it belongs to us or someone else. Do not rely on a general discussion of policy terms and issues. Actual application of an insurance policy to a particular situation depends on specific facts and applicable law. This blog is not a substitute for legal advice, and an attorney in the appropriate jurisdiction should be consulted for help whenever legal counseling is needed or appropriate.