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Question 28 (2 points) Claim representatives need to have a structured, systematic framework for coverage analysis in order to make informed claim settlement decisions. A first step in a typical framework is to determine if the person involved in the loss is covered by the policy. What is the most reliable method for a claim representative to determine this? 1) Seek the opinion of the underwriter involved 2) Carefully consult the policy language 3) Ask the producer if the person lived in the house or was an occupant in the car 4) None of the above