What are the exclusions of a personal injury insurance policy?

MultiRegion, United States of America

The following excerpt is from Jihan, Inc. v. Amco Ins. Co., Case No.: 20-CV-97 TWR (WVG) (S.D. Cal. 2021):

(Fact 72.) These exclusions are in place so that insurance policies are not "convert[ed] into a maintenance agreement." Murray v. State Farm Fire & Cas. Co., 219 Cal. App. 3d 58, 62 (1990).

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