provisions are contained in a single sentence broken down into three subdivisions and stated in the conjunctive, as demonstrated by use of the word “and” connecting the second and third subdivisions. This conjunctive structure indicates that all three prongs must be applied to an extension of benefits. The second sentence of the extended coverage provision states that all of the provisions in the Policy will apply in the extended period. The Court finds that these extended coverage provisions were complied with by State Farm as a matter of law. On April 3, 1993, the defendant elected not to renew the plaintiffs policy. This decision was in accordance with both New York State law, see First United American Life Ins. Co. v. Curiale, 200 A.D.2d 243, 613 N.Y.S.2d 494, 495 (3d Dept.1994) (<HOLDING>), and the terms of the Policy’s “Renewability”
holding that in the event that parties are from different states and the subject matter is national in scope and where the contract states it shall be deemed to be made under the laws of the state of new york and for all purposes construed in accordance with laws of said state new york law applies as the parties choice of law holding that contract signed in new york by promisor from florida and partially performed in florida was governed by new york law because it was executed in new york holding jurisdiction over nonresident defendant existed where note was payable in new york contained new york choice of law clause and proceeds were used to finance new york limited partnership holding that neither the new york location of the terrorist attack giving rise to the policyholders claim nor the new yorkbased claims adjustor rendered new york the locus of operative facts because new york was not the site of the contracts execution recognizing that insurers have the option to continue their policy in accordance with the statutes community rating requirements or to withdraw from the new york market