GavelCo Insurance sells an insurance policy over the phone to Barry, who lives in the state of Colorado. GavelCo violates a Colorado state statute when doing so, because it is not licensed to sell in the state. Later Barry gets into a dispute with GavelCo over coverage of the insurance policy and wants to enforce the insurance contract. The insurance contract will be?

a. unenforceable.

b. enforceable, but only if a court finds the contract unconscionable.

c. enforceable by both parties, like any other contract.

d. enforceable by Barry, the purchaser, and he can recover from the insurer if applicable.