numerous other contacts, particularly when reliance upon the law of the forum state would seriously alter the original bargain and disrupt the expectations of the parties.” Id. at 190-91. Similarly, in Hartzler v. American Family Mutual Insurance, 881 S.W.2d 653 (Mo.App.1994), the court held that the law of Kansas, rather than Missouri, where the accident occurred, should apply to the interpretation of the insurance policy, because the policies were designated as Kansas policies, the insured vehicles were registered and principally garaged in Kansas, and the insureds were residents of Kansas both at the time the policies were issued and at the time of the accident. See id. at 657; see also Desario v. State Farm Mut. Auto. Ins. Co., 127 F.3d 1109, 1997 WL 651020, at *2 (10th Cir.1997) (<HOLDING>); Hofle, 2002 WL 31859520, at *2 (holding that
holding that site of the accident in utah was insufficient to apply the law of that state where wyoming was the principal location of the insured automobile the policy was negotiated and issued in wyoming and the insureds were residents of wyoming holding that the consent of the driver was invalid when the officer knew that the passenger was the owner of the automobile holding that an automobile dealers liability insurer was not liable for any damage allegedly caused by the negligence of the dealer and sustained in an accident involving an automobile purchased from the dealer or to defend the dealer in the negligence action where the injury occurred outside of the policy period and occurrence was defined in the policy as an accident including injurious exposure to conditions which results during the policy period in bodily injury or property damages   holding that an insureds personal belief that he was not liable for an accident provided no basis for submitting the question of the reasonableness of his delay in notification to a jury when the insured knew the day after the accident that it had been claimed that the cable he had installed had caused the accident holding that probable cause was clearly present justifying the taking of a blood sample without the defendants consent when it was established that the defendant was involved in an automobile accident and the police noticed liquor on his breath at the scene of the accident and at the hospital