Are you trying to claim that what you are asserting is not a huge guess? The only thing that you stated was fact, was the fact that it depends on what the insurance policy says, and I agreed with you on that part.In essence, you're guessing.
I am not guessing that the insurance industry is state regulated. I am not guessing that an insurance policy would have to follow state regulations. I am not guessing that marijuana is legal in quite a few states now.