Law Vs Contract
You speed, the law comes into play.
For a contract (Insur), it must be stated in the contract that coverage will not be honored should you be speeding, smoking, texting, or even simply being a bad driver when an accident occurs. A contract stands as was written and intended at time of signing. Read your contract. What your agent tells you is often an opinion or a guess, but what is written and agreed too in a formal contract is the rule of enforcement of a contract
Lou
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