You're right Diego, I shouldn't really be commenting, this is what it would be under NZ law which generally follows British laws, but some individual insurance policies outline that. (It will be in the small print, which no-body reads anyhow, and they know it !)
I was forgetting sometimes the big differences between each US state in various legislation and local laws. Fortunately or unfortunately we aren't that big to have separate states, so it's national law.
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Ride on !
