I received my semi-annual proof of auto insurance cards yesterday. As is custom, inside the envelope is a sheet of addendums to the coverage. This one contains two specific policy exceptions that seem juxtaposed: fungi and radiation.

I could joke that this means I’m no longer covered by automobile losses caused by radioactive mushrooms. Radation I can understand, but fungi? My interest was piqued because the actuaries think it’s significant enough of a risk to call it out as an exception.

So, without further ado, it’s time for a little Fungi 101…
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