out of state car insurance question

okay, so i've got another car-related question guys...good times.

so i know a lot of people in the neighborhood keep out of state insurance b/c it's cheaper - that or people from north carolina LOVE to visit the slope. my concern with doing this is though, if anythign ever were to happen (as in an accident that is my fault) and i had out of state insurance - would my company be able get out of covering me since technically i do live in p.slope?

In order to have out of state insurance you have to have out of state plates. If you have out of state plates, then you are lying to that state about where you live. One way or another. :roll:

So yeah, you could get stuck with it. Reality, probably not. You were "visiting," right? Or the car was visiting you from its real home in NC?

It is up to you.



Edit: P.S. This is insurance fraud, and you can possibly get nailed for it by the state whose plates you are using as well. NJ is particular likes to go after people who do this. FYI.

Don't forget potential car theft, your insurance company would most likely deny a claim.

yeah i mean the car is registered under my name and i rent an apt in bk and my name is not on the lease. that said, i pay nyc taxes adn everything, just nj plates and insurance for my car. so i guess it could be proven that i either am lying to insurance or lying to the irs since there's a discrepancy there. i guess my question is, how thorough are they? has anyone been in this situation? i'm trying to figure out if it's worth paying the extra for bk insurance...

ohhhh, just saw your P.S. - good to know....

^^ I just went through this about a month ago and posted here looking for decent insurance rates. I've had my out of state car in the city for about 6 months and still have plates/tags from NC and am switching it to NY state insurance/tags next week. CALL GEICO! If the reason you're not switching is because of the unbelievable rates in brooklyn, try geico if you havn't yet. Everywhere gave me a quote of about $300 a month (including my current insurance, USAA) and I'm going with geico at a whopping $101 amonth. Its worth the piece of mind, I think.

they could deny claim plus getting inspection stickers year after year is a pain in the ass. Definitely call Geico. I'm down to $109/mo (no accidents, 2000 SUV, low-mileage driver)

I had out of state plates and insurance (MA) and had a number of incidents - but never had coverage or a claim denied. I had the car broken into and eventually totaled in the city. My insurance of course asked me why it was here and not in MA every time, but never investigated further than my explanation that I was visiting my gf. On the other hand, numerous claims for things out of your control (shit happens to cars in Brooklyn) in an out of state region may raise suspicions.

LincolnAnnex

If you were living here, what mailing address did you use for your MA based agency?
Didn't they put 2 and 2 together?

I got the car insured back when I was in high school initially. So the mailing address the insurance had was my folks address in MA. Get a PO in Jersey? That might get you more time should the pursue the fraud.

I don't know specifically about NJ, but most states won't take a PO box for an auto or driver's license. They require a street address.

People I know of who have, hmm, engaged in this illicit activity have generally had friends or family (like LincolnAnnex) in other states whose address were used in the fraud.