George Patterson wrote:

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.


Yes they are. You cannot sell insurance in any state without being
licensed in that state. You don't have to be located there but you do
have to obey the laws of the state.