As for NY being some sort of “No exclusions” state, I’d like to see some proof of that. I pulled my Geico policy out of the filing cabinet. There are several exclusions in there, including “racing” and “organized speed test” that I found right away. I’m missing quite a few pages and for some reason I can’t access the actual policy online. Considering they are the #1 auto insurance company in the state I find it hard to believe their policies violate NY law. It seems a lot more likely that some classic car insurance company with maybe a couple thousand policies in the entire state might have their information incorrect.