Holla, I really need some help over here kindly, as my title suggests.
sounds like you want to commit insurance fraud. It is an offense to insure a car where it is never located, just pay car insurance in the state where you spend most of your time. When you insure your car you must always use the address which you consider as your primary residence
Insuring a car in a different state than where it’s registered can lead to legal and practical complications.
The legal implications are:
- Misrepresentation and Fraud: Insurers typically require the car to be registered where the policy is issued. Attempting to insure a car in a different state to mislead the insurer may be considered misrepresentation or fraud, risking policy cancellation and coverage denial in case of an accident.
- State Insurance Laws: Each state has its own minimum insurance requirements. An out-of-state policy may not meet your state’s minimum coverage, potentially leading to legal issues if you’re pulled over.
- Claims Complications: Mismatched registration and insurance can complicate claims processing. Insurers may question the legitimacy of the claim or delay processing due to the discrepancy.
Exceptions:
- Military Members: Active military personnel stationed in a different state may be permitted to keep their car registered and insured in their home state.
- Short-Term Situations: Students living out of state temporarily may be able to keep their car insured in their home state, but it’s essential to check with the insurance company first.