Is it possible to use an address for insurance that isn’t my primary residence if I won’t be parking or driving at that location?
I live in Brooklyn, but I don’t drive or park my car there; it stays with a family member in Long Island, where the insurance rates are significantly lower. Can I use my family’s address for the insurance, given that’s where the car is stored, even though my driver’s license has a different address? Would this be classified as insurance fraud?
Using a different address for your insurance than your primary residence can be a bit complex. Insurance companies typically consider where the vehicle is primarily parked and driven. If you’re storing your car at a family member’s address in Long Island, you may be able to use that address for your insurance policy. However, it’s essential to inform your insurance company about your situation, as they often require accurate information to determine your rates and coverage.
Using a different address without proper disclosure could potentially be viewed as insurance fraud, especially if it leads to inaccuracies in your premium calculations. It’s always best to be upfront with your insurer and ask them about your options. They may be able to provide a solution that meets your needs without running into legal issues.