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Insurance. How to explain to my personal lines client what limitation or exclusion on his standard auto policy applies in his situation and why this

Insurance.

How to explain to my personal lines client what limitation or exclusion on his standard auto policy applies in his situation and why this endorsement is necessary during coverage provision?

Situation: Client is 30 y.o. man who leases a car in the long-term. He was asked to get his own insurance

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