The attorney may insert in any form of policy prescribed by the laws of this state any provisions or conditions required by the plan of reciprocal or interinsurance, provided the same shall not be inconsistent with or in conflict with any law of this state. Such policy, in lieuof conforming to the language and form prescribed by such law, shall be held to conform thereto in substance ifsuch policyincludes a provision or endorsement reciting thatthe policy shall be construed as ifin the language and form prescribed by such law. Any such policy or endorsement shall firstbe filed with and approved by the commissioner of insurance.
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