I lied about leaving it at that. You are correct, special lines is different than auto is different than life and health. To address the basis for your information, I will tell you in my personal experience agents know very little (if anything) about the underwriting of the product they are selling. And to that extent, MOST people at an insurance company won't know what goes into the underwriting. And to make everyone more paranoid, just because your agent tells you "Oh no, you're covered on the track" REALLY don't take their word for it, read your policy contract.