sounds like an interesting solution.
see how this would work with the insurance,
has someone tried and tested this getting pulled over?

 

I dropped my insurance because they said they couldn't insure a car in a state other than where I lived. GEICO didn't have a problem with it, so that's where I went.

 

Get a PO Box

 

I keep all my cars on my home policy in my home state (where I live and where my DL is issued), and registered in my home state - NC, in this case. My crashpad car is in my domicile in another state. As far as my insurance company is concerned, it is at home with the rest of my vehicles. If anything happens, I was on a road trip - let them try to prove otherwise!

The only hitch to this arrangement is if your home state requires a state inspection. NC does. I was able to solve this by calling NCDMV and telling them my car was "temporarily" (this is true) out of state. NC accepted a faxed inspection report from my domicile state (they have reciprocity with several other states that do safety and emissions inspections) and all was square.

I've talked to people that have handled the situation several different ways, and this seems to be the best method. I'd just tell my insurance company, "I drove my car to work." That's true, and it doesn't matter how long it was there. If I'm not using it, it is parked in the airport employee lot in my domicile - in other words, "at work".

Any attempt to prove insurance fraud here (especially since none is intended) would be exceedingly difficult.

 

My car is registered in WA I am based in PA. I have state farm and the only thing they require is that you carry more insurance than the state min for the state with the highest coverage.

 

Do not do this!

 

But, what you're doing, and advocating, is indeed an Insurance Fraud!

There insurance companies who will work with anyone with these type of circumstances. Geico is one of them.

 

i cant see how this is the case? just stating it without explaining doesnt really make it a fact ;-)

/edit:
can someone tell me why all of this really needs to be a state thing?
so many people moving around, waste of time...
rant over

 

I live in Kansas, am based in MSP, and bought a crash pad car from my brother in Indiana. Kansas wanted a title inspection done in Kansas in order to issue plates. I wasn't about to drive the car all the way back just to get a 15 minute VIN and blinker inspection. After several phone calls telling me I had no choice other than bringing it back, I found an online form to get the car inspected by a MSP police officer. The condition was that they would not issue a title until the car came back to get an inspection. The lady at the court house must have been confused, because I got a title in the mail two weeks later.

 

They won't bother for a fender-bender, they'll pay. But if you get into a serious money claim (assuming you have a liability coverage) they will do a little work to verify the facts. They'll figure it out pretty quickly, and will use that as an excuse to deny coverage. The budget insurance companies are more likely to do this...that's how they offer the same insurance for lower cost...by working hard to get out paying big claims.

Most states will do this, even CA. But they may want an address in the domicile state, I would just a local friend's or crashpad.


If you got a lower premium at the claimed zip code versus the domicile zip code, the company could make a case for fraud and thus to deny coverage.

If you just have bare-bones insurance to satisfy DMV, feel free to play loose-and-free with their rules. If you're broke you can just BK most claims (but don't hurt somebody while DUI...they probably won't let you BK that!)

If you actually want (or need) liability coverage for peace-of-mind or because you have assets, play by the rules. And get an umbrella policy.