First, thank you - this is really amazing customer service. The Honda is sitting in my driveway in NJ. It is not being driven, but it is in my possession so I guess I am the driver. I will not turn it over to Kara until we have the insurance policy fixed. I will see if I can get her a NJ driver's license and let you know the likelihood and timeline for that.
Many thanks! What luck to have gotten you to work on my policy -- you've been the greatest!