out of state car insurance question

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.

^^ 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.

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.

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.