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The language used in insurance policies can be confusing, making it challenging to determine if stolen cars are covered when keys are left behind. Terms like "unattended" or "negligent" may be interpreted differently by insurers, leading to discrepancies in coverage. For example, some companies might argue that leaving keys unattended constitutes negligence, thereby voiding certain parts of your policy. On the other hand, others may offer more lenient interpretations if other mitigating factors are present. Knowing how your insurer defines these terms can make all the difference in whether your claim is approved.

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• Caregivers often face an additional layer of complexity when seeking insurance coverage for dementia care. Many policies do not adequately address the emotional and physical toll on caregivers themselves. Respite care services—short-term relief for caregivers—are sometimes covered but are often limited in duration or availability.