Omni Insurance Company violates a state licensing statute when selling an insurance policy to Petra,in whose state Omni is not licensed to sell insurance.As a member of the class of persons protected by the statute,Petra can

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Petra can enforce the policy or recover the amount of the premiums paid because she is a member of the class of persons protected by the statute. A state licensing statute is designed to protect consumers from unlicensed insurers and to regulate the insurance industry. Therefore, Omni's violation of the statute does not automatically render the policy void, and Petra may still be entitled to benefits under the policy or to a refund of the premiums she paid.

Omni Insurance Company Violates a State Licensing Statute When Selling