Many of you more grizzled veterans realize the irony of the phrase "New Year's resolutions," as most last exactly the length of New Year's: one day.

If one resolution survives beyond 24 hours, I choose as my nominee for Insurance Resolution of 2014 the following resolution: Read the forms.

And what more appropriate starting point than with the exact starting words of the ISO coverage forms: "Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered."

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