Auto Insurance Requirement for Snowbirds
I didn't know this:
With what I can see, if you are a snowbird and your permanent residence is in another state and you are in Florida for over 90 days in a year you have to register your car in Florida and get auto insurance in Florida. Car Insurance for Snowbirds | Fox Business Just found out this also, if you are a Florida resident and in Michigan for over 30 days you have to have auto insurance in Michigan, and if you are in Michigan for over 90 days, your car has to be registered in Michigan. Out of State Car Insurance Coverage: Is It Illegal In Michigan? I would think other states have similar laws. A snowbird can stay in Arizona up to 7 months and not need to get insurance there or register your car there. Snowbirds and vehicle registration laws in Arizona |
You are correct. There is another detailed thread on this topic. It appears that there are a lot of snowbirds who routinely violate Florida law by maintaining and driving cars for more than 90 days with out-of-state registration and insurance.
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Insure your car where it is primarily garaged, which means for the longest period of time each year. We have two cars registered in MA and one in FL. One car up north has never been to the Villages, and the other we drive to FL twice every year for a way too short visit. Our car registered in FL gets driven up north every May and returns to Fl in October for the winter. If your car is registered up north and is garaged up there for more than half of the year, then you are good. Who is going to prove that your car was in Florida for more than 90 days if you are a snowbird? As long is the vehicle is garaged up north for more than half of the year you should be all good.
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It's all about the money, registration fees and insurance.
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Day 89 take a day trip to Georgia, have lunch, keep bill as proof of leaving Florida, come back to another 90 days!
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Another good reason for me not having a car in The Villages.
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It’s one of those “laws” like jaywalking. Legally your not suppose to jaywalk either and, of course, it’s not strictly enforced.
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I wonder if the insurance company would balk on paying a claim if they were aware or suspected the car was in a location for more than 90 days.
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Yes. People will go to the greed comment really fast, but it's not. From the underwriting prospective, Florida has very different risks. If "you" are not willing to pay for these exposures, a carrier does not have to pay on claims. |
Mr Helpful...you are not...far from it.
Once an insurance comapny writes your policy and accepts payment, they are legally obligated to pay the claim. Insurance companies know people lie. The best thwy can do is come after u for the additional premium. |
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Auto insurance doesnt only protect you but protects others if u are negligible. Simply think. |
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A small amount of knowledge is a very dangerous thing. You are so wrong. Any misrepresentation or fraud will allow the carrier to deny a claim. That's fine if you want to take the risk, but don't misrepresent for the OP. |
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