It does not make any sense at all that with a vehicle with a trunk, both the ammo and the firearm would have to be in the trunk, but with a vehicle without a trunk, only the ammo OR the firearm would have to be locked up.
According to your interpretation, a person could have a gun in their lap, so long as the ammo was locked in a box, in an SUV. But if the vehicle was a sedan, both the gun and the ammo would have to be in the trunk. Laws often don't make sense - but that interpretation goes beyond just not making sense.
FOPA requires both the ammo and the firearm to be inaccessible to the occupants of the vehicle. Period.
But, to each his own. Hopefully you won't be the one asking the courts to interpret it.
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