[REAL 1]

I'm an attorney and just don't play one on T.V.

You guys can sit and argue back and forth all day long but unless you are an insurance underwriter and have experience reviewing and reading policies (which is a good idea) which can be difficult to read and understand when taken together with all the "exclusions" which at times seem to eliminate coverage all together your best bet IMHO is to confirm whether there is coverage with your agent and/or carrier and put the letter in your "file" in the event there is need.

That's what I did.