"It's just the reality of living in New Jersey," his neighbor, Elena, told him later that afternoon over the fence. "We have the highest population density in the country, advanced car tech that costs a fortune to repair, and a new law that hiked up the minimum liability coverage requirements."
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Leo sat at his kitchen table in Cherry Hill, staring in disbelief at the renewal notice from his auto insurer. He had a spotless driving record—no speeding tickets, no fender benders, not even a parking violation. Yet, his premium was skyrocketing by double digits. "It's just the reality of living in New