nrp wrote:
There's a license agreement that the insurance companies have with your
state insurance commissioner. Certain clauses may be written into your
policy, but if they can't be too unreasonable, or the insurance company
can lose their state license.

I think you're confusing aircraft insurance companies with auto. None of my
brokers or underwriters were located or licensed by New Jersey.

George Patterson
Coffee is only a way of stealing time that should by rights belong to
your slightly older self.