In the beginning was the wording
It may be just a humble punctuation mark, but the comma is a powerful thing. Author Lynn Truss knew this only too well when she christened her best-selling book on grammar "Eats, Shoots and Leaves." It can, for instance, cost an insurer dearly if its position in a sentence leads to a degree of ambiguity. That comma can, in effect, transfer the authority underpinning a policy from the underwriter whose scratch is upon it to a court of law.
The comma, and other associated punctuation marks, are just one of the factors that have to be taken into consideration when drafting the wording of an insurance policy.
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