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Spoke to an agent today about this topic specifically. Not all insurers work the same way, but he said that in the vast majority of cases "in motion" starts as soon as the aircraft does, literally. Stops--you guessed it ...
Another "or" qualifier is, of course, being in motion. He hadn't heard of "in flight" used as a term, but guessed that it was a poorly chosen handle in place of "in motion".
So the original warning here would apply: read-carefully. Assume nothing.
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