I think it's a recreational-only policy for casual drone flyers who don't want to pay a lot and don't need so much liability and will probably only need a one-time replacement if any. Just for the record, I've only had one claim and it has done...
As far as I understand it, car & PAP are connected to you in a way, but the policies are not connected to each other the way you are thinking. You have 2 separate policies. And to them you are a customer who they can count on a reoccurring $1200...
Not sure "what counts" but the new math we are working off of means Skydio is good to go when it comes to supplying drones to the governments and DJI is a Chinese company no matter how they pull together, source, or locate their equipment.