Ask your insurance company if those restrictions also apply to the provinces of British Columbia, Ontario, Quebec ETC. those provinces also have crime in the big cities, ergo the whole province should be under restriction from the insurance company.
In my opinion get a better insurance company, they sound like monumental thief's, if the moon comes up round you are not insured, if the sun is warm at mid-day you are not insured, all cities have areas with bad elements not the whole state, I am positive that the City of Vancouver has some areas where I would not want to go at night, not the whole province!
Same with Mexico there are areas that have crime in the cities not the whole state, you are being taken for a ride, they will tell you that since you traversed through a restricted state the policy is null and void, thanks' for the payment.
navegator
