One approach in determining the trigger on an occurrence. This approach states
that all policies in force from the time of initial exposure through manifestation
apply. One court held that injury triggers coverage, including injury occurring
with inhalation exposure, while the injurious substance is "in residence" within
the injured person and at manifestation of the illness or disease. This theory
is also referred to as "exposure and manifestation" and "exposure-in-residence."
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