If your car is insured in one state and you live in another, is that insurance fraud?

Jungleboy

All that matters is your car is insured w/your home address, and the state that issued your license. I.E. you live on your own and your car is registered w/mom and dads address.
(That is where you receive your mail).
Years ago my mothers boyfriend from N.J. used our home address to get cheaper car insurance.......it's a loop hole. He also had to switch to a P.A. driver's license.

P K

It depends. If you have recently moved or are a student, no. If, lets say you live in New Jersey (high rates) but deceive the insurance agent by providing an Iowa residence (low rates) just to save money, your policy may be voided by the insurance company if you are in an accident.

deanspurrier

No, but for accurate rating of your Auto Insurance you really should have your car insured at your garaging address unless it's only a temporary situation.

Now if your not registering your auto in the state in which you reside and your not reporting that address to the insurance company to try and avoid higher rates, registration fee's and so on, that is a form of fraud not only to your insurance carrier but some states as well.

Remember the key here with regards to insurance is your garaging address and whether or not that is a permanent address. You should contact your agent with regards to this, You might find that the State your car is garaged in is considerably less expensive than where CA, right?

I temporarily moved to Oregon from Texas and because I thought I was going to be residing in Oregon permanently I switched everything on my two vehicles to Oregon. I was pleasantly surprised by my new insurance rates in Oregon. It was it was about %75 less than what I was paying back in Texas.

I'm now back in Texas and because of my cancer this will most likely be my last stop. Anyway I switched everything back to Texas, expensive I know but it's the right way to do things.

Hope this helped, good luck and take care.

oklatom

Not necessarily, for example the Hartford is based in CT, but allowed to write policies in many states. As long as the insurance is allowed to write a policy in the state you live in, and knows where the vehicle is parked at night, it's appropriate.

If you are living in Florida, and tell your insurance you live in Illinois that would be wrong of course.

Part of the essential data in your car insurance is your address. You can't get a car insured in one state without an address in that state.
I don't know if it would be considered fraud - but if you have a claim (accident or other- no matter) you could have given the insurance company a basis to deny the claim, if your insured address (or use of the vehicle) is not correct.

PLUS, if your vehicle is not registered in the state where you live - you could be setting yourself up for car registration and/or tax difficulties with the state's DMV. (I think most states allow 30 days grace, from the date you move into the state.)

rainbeauclown

Most of fraud is intent. My car is registered in California and insured by Progressive. The other insurance agencies gave me a lot of crap about having my car registered in California while I'm living in New Mexico. I refuse to register my car in New Mexico until I decide whether I want to keep living here. So far, I want to sell out and move away as soon as possible.

cinsingl83

Its not fraud but you need to advise your agent or your insurance company of your actual residence. Personal auto policies are rated based partially on the state in which you reside. If your insurer finds out later that you reside elsewhere they could re-rate your policy. Good luck.

koalatcomics

yea...your supposed to report to the insurance company any move or lifestyle change such as that.

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