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Alberto has a standard unendorsed HO-3 contract with $100,000 of Liability Coverage. He is ordered by a judge to pay his neighbor $162,000 because of

Alberto has a standard unendorsed HO-3 contract with $100,000 of Liability Coverage. He is

ordered by a judge to pay his neighbor $162,000 because of bodily injuries the neighbor

suffered while he and Alberto were fishing in Alberto's old, undeclared 35 horse-power

outboard motorboat. How will the contract respond?

please show steps and explain

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