Car Insurance Inquiry
I recently purchased a car in my hometown and will be driving it to my military base in two weeks. I just completed tech school, and the dealer is handling the registration for me in Michigan. However, my base is located in Illinois, where I’ll be living due to my active duty. Can I maintain my car insurance in Michigan while I’m stationed in Illinois? Is there a provision for active duty military members regarding insurance requirements in the state where the car is located? My driver’s license is still registered at my Michigan address. Thank you for your guidance!
It sounds like you have a few questions regarding car insurance and registration due to your military status. Here’s some information that may help you:
Insurance in Michigan: Since the dealership is registering your car in Michigan, you can initially insure it there. Many insurance companies allow you to maintain coverage in your home state even if you are not physically there. Make sure to inform your insurance provider of your active duty status and your living situation.
Living in Illinois: Since your base is in Illinois and you will be living there, you might want to consider switching your car insurance to an Illinois provider once you establish residency there. While military members often have some flexibility regarding insurance and registration, you should be aware of Illinois laws regarding vehicle registration for residents.
Military Exceptions: There are provisions under the Servicemembers Civil Relief Act (SCRA) that may provide some exceptions, such as not requiring you to register your vehicle in the state where you’re stationed if you maintain your home state registration. However, it’s important to check both Michigan and Illinois laws, as well as consult with your insurance company about the best way to handle your coverage.
Driver’s License: Since your driver’s license is still at your Michigan address, you’re technically still considered a resident there for insurance purposes. If you choose to switch your insurance to Illinois later, you may need to update your driver’s license as well.
Consultation: It would be beneficial to speak with an insurance agent who is familiar with military regulations, as they can provide specific advice tailored to your situation.
Always keep documentation of your military orders and consult both states’ motor vehicle departments for the most accurate guidance on registration and insurance requirements. Safe travels!