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Can the court alter the terms of an insurance policy through awarding claims excluded in the policy?

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Can the court alter the terms of an insurance policy through awarding claims excluded in the policy?

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The terms of the policy would be inforce unless a court of authority finds the insurance company was negligent in it’s exclusion of specific terms in the policy. So basicly the insured person who was covered by the policy is out of pocket the amount of the awarded claim regardles of the insurance company covering that exclusion or not.

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