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Those ubiquitous asterisks used to point to standard disclaimers about war, riots, or force majeure, but the small print at four point font now occupies tomes. There is a fine line between disclaimers, limitations, conditions, restrictions, and outright fraud. The following examples are nowhere near that line.

Accident Forgiveness… Helps keep your rates from going up just because of an accident. Even if it’s your fault. [Allstate Auto Insurance]

Fine print: “Safe Driving Bonus is based on eligible premium for prior policy period and won’t apply after an accident.”

Translation: “We forgive you! (but you still pay)”

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