who knew moving with a car was so complicated
August 17, 2011 7:39 PM Subscribe
Some kind of sketchy questions about the legalities and insurance implications of moving from state to state and not switching car registrations over.
posted by anonymous to Travel & Transportation (9 answers total)
I'm planning to move for a year for a job from Indiana to RI. It is likely that I won't live in RI for longer than a year. If I switch my car registration over, I'll be looking at re-registering it, switching my drivers license, possibly having to take another driver's test (?), getting it inspected, switching the title etc, and then switching everything back again when I move out. It seems like a huge amount of hassle and a lot of money that I don't really have for a temporary move. (I really don't have it... I'm moving for an americorps position, the fees will likely come close to equaling my living budget for the month. but if I have to do it I have to do it I guess).
I know that not switching over the registration could get me a ticket, but I'm not sure how likely it is, so that's the first part of the question. (fwiw, I've never been pulled over or ticketed, so it's not like I'm a crazy driver likely to be stopped). I can renew the plates right now before I leave and they'll be current during the time I'm living there, so I'll never have expired plates.
However, the thing that worries me a lot more are the insurance implications-- is it possible to take out auto insurance in one state if the car is registered in another state?
Or, the title for the car is actually in my mom's name. If I kept the title in her name and had her take an insurance policy out on the car and add me as an additional driver but then lived for the year in another state, would that be grounds to deny any claim I made to the insurance? (If relevant, I'm 23, not a student).
Basically, I'm okay with a possibility of getting fined, but I'm not okay with getting into an accident and then finding out I have no liability insurance. I've see neighbors keep out-of-state plates forever... is there a way to do this and still be insured? Or is there no way around it and I need to bite the bullet and spend the necessary time and money at the dmv?