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.

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.

It's all about the money, registration fees and insurance.

Day 89 take a day trip to Georgia, have lunch, keep bill as proof of leaving Florida, come back to another 90 days!

Unfortunately, that plan doesn't make it legal, because the 90 day rule is for the entire year, not 90 consecutive days.

Another good reason for me not having a car in The Villages.

So how do you get around? Golf cart can only get u so much?

It’s one of those “laws” like jaywalking. Legally your not suppose to jaywalk either and, of course, it’s not strictly enforced.

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.

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.

Really? What law says that someone can buy an insurance policy and lie on the application, and the insurance company has no legal recourse but to pay whatever claim is filed? I think insurance companies may pay small dollar claims. But, if you file a large claim, the company has insurance investigators who will do everything they can to protect the legal rights of the insurance company. If the policyholder lied on the application, the company can and will deny the claim.

Auto insurance is different than if u lied about your house or business and it burnt down.

Auto insurance doesnt only protect you but protects others if u are negligible.

Simply think.