Keeping auto insurance without a real address?
April 27, 2011 8:44 AM Subscribe
How do I keep my car insured during an out-of-state relocation that may take a month or two to be complete?
I'm a new graduate nurse, and jobs are scarce (as in, I graduated 8 months ago and nothing yet). When I find a job, I will almost definitely be relocating out of state, probably without more than a few weeks' notice. This will probably mean packing up my apartment in Current State and storing most of my stuff in an ABF U-Pack ReloCube (or the equivalent). I'd take the essential stuff in my car to New State, find a place to crash for the short term so I could start the job as soon as possible, and search for a new apartment. When I find said apartment, I'd have the ReloCube delivered there.
I can see this process taking as long as two months (or, God forbid, longer) from start to finish. Everything I know about car insurance says that it's based on where the car is parked at night, and that you must keep the insurance company up to date with your address. But how do I handle this during such a transitional period? The nightmare scenario is for something dire to happen to the car and have an insurance claim denied because I wasn't at the "right" address.
My current insurance is with AAA in Michigan. Would this be easier to handle with a national company?
Anyone dealt with this situation before? Thanks in advance for any information or suggestions.
I'm a new graduate nurse, and jobs are scarce (as in, I graduated 8 months ago and nothing yet). When I find a job, I will almost definitely be relocating out of state, probably without more than a few weeks' notice. This will probably mean packing up my apartment in Current State and storing most of my stuff in an ABF U-Pack ReloCube (or the equivalent). I'd take the essential stuff in my car to New State, find a place to crash for the short term so I could start the job as soon as possible, and search for a new apartment. When I find said apartment, I'd have the ReloCube delivered there.
I can see this process taking as long as two months (or, God forbid, longer) from start to finish. Everything I know about car insurance says that it's based on where the car is parked at night, and that you must keep the insurance company up to date with your address. But how do I handle this during such a transitional period? The nightmare scenario is for something dire to happen to the car and have an insurance claim denied because I wasn't at the "right" address.
My current insurance is with AAA in Michigan. Would this be easier to handle with a national company?
Anyone dealt with this situation before? Thanks in advance for any information or suggestions.
I had my car registered in one state and insured there, then moved to another state and kept the car registered in first state with insurance for that state (which I think was necessary to keep it legal) and then also had it insured in the new state. This was with a national insurance company, who I talked to when the move happened. Call and ask your insurance company if it is possible to do this with them, if not, switch insurance companies.
posted by backwords at 9:55 AM on April 27, 2011
posted by backwords at 9:55 AM on April 27, 2011
Yes, talk to your agent; but I also think this is not a big deal. I had a temp job out of state which meant that my car was 1,000 miles from its "home address" for six whole months, but my insurance agent told me it would be no problem until/unless I registered the car in the other state. Insurers understand that people move and that things get complicated -- and they allow for that.
posted by philokalia at 10:22 AM on April 27, 2011
posted by philokalia at 10:22 AM on April 27, 2011
Response by poster: Wow, so I can actually get useful service from my insurance company? That is not the answer I was expecting. Thanks!
posted by shiny blue object at 4:31 AM on April 28, 2011
posted by shiny blue object at 4:31 AM on April 28, 2011
This thread is closed to new comments.
posted by needs more cowbell at 9:19 AM on April 27, 2011