What does the 'severability' condition ensure in insurance policies?

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The 'severability' condition in insurance policies is designed to ensure that each insured party is treated separately when it comes to coverage. This means that the actions or circumstances of one insured individual do not affect the coverage provided to another insured under the same policy. If a claim arises, the insurer must assess the situation and coverage for each insured independently.

For instance, if one insured party behaves in a manner that leads to a denial of coverage, this denial will not automatically extend to other insured parties named in the same policy. This provision is particularly important in scenarios where multiple parties may be covered under the same insurance policy, as it protects each party's rights to coverage based on their unique situations.

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