[garsha]

I learned the hard way. We sold all our vehicles before we came to the Villages except our motorhome. Then sold it when we got here. My mom was here with her car and we used it for several months, so with no vehicle in our name we didn't have insurance in our name. When we checked with USAA (my mom's insurance), we did not need to be listed on the insurance, but we would be covered if driving her car. Then when we went to get insurance, we were told that if you have a lapse in auto insurance, you will be considered a risk and your insurance will be substantially higher for 3 years. Made a difference of about $400 a year and my understanding is we will have this rate for 3 years. Both TV and Allstate Insurance agents told us this.