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09-26-2007, 12:35 AM
What are the repercussions of Auto Insurance Address Fraud? i.e Living in one state, but quoting your address and getting insurance from a neighboring state.

What are the government laws around this? What is the role of the insurance companies in this and what is the role of the police force?

This is done all around the country by countless people that move as well as college students.

What are the ramifications? How seriously do insurance companies go after this?

12-22-2009, 09:30 PM
That depends upon the state(s) in which this is occurring. YMMV.

The role of the insurance company is to insure your car and nothing more. Some states require that they confirm address and/or let the DOI know when a policy lapses. Some don't. It's then up to the DOI to do whatever they do.

There are provisions in most car policies to allow for students at temporary locations (college).

See #2.

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