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Well, whatever their goal, they had me concerned enough that when I moved out of country for part of one year, I made sure to have my name added to a family member's vehicle policy so there would be no gap in my "continuous" insurance.
It didn't affect the price of the policy (my parents'), but I had to wonder if the intent of the rule was to scare people into being perpetually insured... or else pay (literally) the consequences.
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