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Which state's laws would an "insurer" be subject to if were a USA subsidiary of a foreigncompany with headquarters in state X, and global offices, offices scattered across the United States of America (USA), and tons of subsidiaries of itself?

Does it subject to laws of wherever the broker lives or wherever the client lives?

What if the insurer were to remain silent on where legal fights would be done in their policy?

I had mentioned laws before such as this:

In accordance with N.J.S.A. 17:17-10b and N.J.A.C. 11:2-29.3, non-renewals shall not commence prior to one calendar year and 90 days following the submission of the informational filing, a notice of non-renewal shall be sent to every policyholder no later than one year preceding the date of non-renewal, and the non-renewal period shall not exceed three years.

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The insurer is subject to the laws of the state that it is doing business in. If a customer lives in a state where the company does not operate, the customer will have to get a new insurance company. You can travel to another state, no problem, but you can't live in a state where the company is not licensed. My former homeowner's insurance company does not operate in my current state so I had to get a new insurer when I moved. The actual residence of the agent / broker is irrelevant (given interstate commuting), what matters is the company's license to operate, and where the customer "is". If a doctor lives in Oregon, practices in Idaho and has a rental home insured in Washington, the homeowner's policy would have to be through an Oregon-licensed company, the malpractice insurance would be via an Idaho company, and the rental house insurance would be via a Washington company.

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