Originally Posted by bmwguydc
And, that’s insurance fraud, which is one reason why insurance rates are so high for those who play by the rules. Fewer cars registered leads to higher rates of loss by zip code, among the pool of registered cars. A car can legitimately be registered at a second home, provided that’s where the car is garaged, not as a means to dodge insurance premiums, and the car is actually garaged at that location.
The address where it is registered not necessarily garaged, is what matters, at least according to a State Farm rep I spoke with.
My mother owned the first car that I had, and its the car I took with with me when I moved to New York from Georgia. We both called State Farm and explained to them that while the car is registered in Georgia, it spends 100% of the time out of the state.
Both reps said that didn’t matter, the only thing that mattered was the address where it is legally registered, which is the address of the legal owner.
I even made a couple of claims on the policy and they were processed just fine. No one ever cared that the mailing address on file was New York City, while the address on the registration was Georgia.
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