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In addition to reviewing the policy terms, it is also important to consider any exclusions that may apply. Many policies have specific scenarios where coverage will not be provided, even if the vehicle is not owned by you. For instance, if you are driving a vehicle that has been tampered with or modified in an illegal manner, your insurance may not cover any damages or injuries that occur during that time. Similarly, if the vehicle is being used for commercial purposes without proper authorization, this could also lead to denial of claims.

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