Ethical/legal question about car insurance

[Lonyo]

Is it legal/ethical to put down an address for your residence that is not where you will spend most of your time?

I'm a student, and 6 months of the year I am at university (which is a fairly high crime area). My dads home (I live with him) is a reasonably low crime area, but he'll probably be moving somewhere around the time my renewal comes up.
My grandmother lives in a very low crime area, and putting her address as my address would save me probably at least 25% on my renewal.

Is it ethical to put down the cheapest address I have available to me?
As far as legalities, I was split 6mo at uni and 6mo at home for this year, and I put my home adress because it was cheaper, and the insurance co was OK with that, and I did tell them the car would be at different places for half the year.


Cliffs:
I have 3 choices for an address for car insurance.
I can save a lot of money by putting down an address I don't live at. (25%)
Should I do it?

 

[FoBoT]

no. read your policy. if you don't tell them where the vehicle is normally garaged, you may not be covered

do you want to gamble with your $XX,XXX car being not covered if it gets destroyed?

 

[jlbenedict]

Thats fraud

 

[BD2003]

If you have to ask, it probably isnt.

 

[ViviTheMage]

questions like that, you want to be legal.

I would call your rep

 

[j00fek]

i went to school in Ri for 4 yrs. i never changed my address on my car registration, ins for it etc...

all i changed was my mailing address. nothing wrong there

 

[BoomerD]

LEGALLY, you can't use your grandmother's address, unless that is actually your home. MOST insurance companies have provisions to cover you while you're away at college, and allow you to use your parent's address for insurance purposes, but if you got caught using an address where you don't actually live, you COULD be charged with fraud, and/or perhaps find your insurance cancelled.

 

[Nik]

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

 

[jlbenedict]

Originally posted by: GuideBot

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

What is PAB?

and I assume you disagree with my "its fraud" comment?

 

[Nik]

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

What is PAB?

and I assume you disagree with my "its fraud" comment?

PAB is the king of insurance fraud, lies, and overall slimeballery here on AT. OP's like a younger version of PAB.

 

[Reel]

I wouldn't lie.

 

[cubby1223]

It's really not that big of a deal. It depends more on your history, and how well you know the people at the insurance company.

 

[jlbenedict]

Originally posted by: GuideBot

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

What is PAB?

and I assume you disagree with my "its fraud" comment?

PAB is the king of insurance fraud, lies, and overall slimeballery here on AT. OP's like a younger version of PAB.

aaaaaaaaaah, ok
I thought you were commenting toward my fruad comment in a negative way.

I assume this PAB person is banned?

 

[Lola]

people do it all the time that live in Detroit.
They get someone they know in a suburb and use their address.
It is illeagal and wrong and if you had a claim, and it was not your primary address listed on the policy, they have a right to deny the claim.
SInce you are at school, you don't have to list your school address. List whatever address is on your DL

 

[mugs]

Originally posted by: jlbenedict

I assume this PAB person is banned?

Not as far as I know. He stops by occassionally, posts a flamebait thread, and is reminded that nobody here likes him. He loves to brag about all the money he makes buying and selling cars while living with his parents.

 

[SoulAssassin]

Originally posted by: BoomerD
LEGALLY, you can't use your grandmother's address, unless that is actually your home. MOST insurance companies have provisions to cover you while you're away at college, and allow you to use your parent's address for insurance purposes, but if you got caught using an address where you don't actually live, you COULD be charged with fraud, and/or perhaps find your insurance cancelled.

Yup, the student situation is different than just putting someone else's address. OP definitely doesn't have to use his school address. The Right Thing to Do (tm) is to use the dad's current address and then when he moves call and change it.

 

[VTHodge]

My insurance policy was quite clear on the topic. The question said, "What is the ZIP code for where you park your car most nights?"

Pretty cut and dry there.

 

[Nik]

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

What is PAB?

and I assume you disagree with my "its fraud" comment?

PAB is the king of insurance fraud, lies, and overall slimeballery here on AT. OP's like a younger version of PAB.

aaaaaaaaaah, ok
I thought you were commenting toward my fruad comment in a negative way.

I assume this PAB person is banned?

His alts keep getting banned, but the mods keep him around for some reason.

 

[newParadigm]

Originally posted by: GuideBot

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict

Originally posted by: GuideBot

Originally posted by: jlbenedict
Thats fraud

Yet another PAB in training. :frown:

What is PAB?

and I assume you disagree with my "its fraud" comment?

PAB is the king of insurance fraud, lies, and overall slimeballery here on AT. OP's like a younger version of PAB.

aaaaaaaaaah, ok
I thought you were commenting toward my fruad comment in a negative way.

I assume this PAB person is banned?

His alts keep getting banned, but the mods keep him around for some reason.

Which pisses me the fvck off. I started an account awhile back to use just for OT, to post stuff about my band. I named it the name of my band, and had honestly not flamed or neffed with it at all (only had about three posts). The next morning I woke up to find both my regular account and that one banned. Apparently some mod hates me, and banned me w/o anyone elses knowledge. I finally got a different mods attention, and got my original account restored.

 

[fitzov]

legal and ethical are not the same thing.

 

[Googer]

Originally posted by: Lonyo
Is it legal/ethical to put down an address for your residence that is not where you will spend most of your time?

I'm a student, and 6 months of the year I am at university (which is a fairly high crime area). My dads home (I live with him) is a reasonably low crime area, but he'll probably be moving somewhere around the time my renewal comes up.
My grandmother lives in a very low crime area, and putting her address as my address would save me probably at least 25% on my renewal.

Is it ethical to put down the cheapest address I have available to me?
As far as legalities, I was split 6mo at uni and 6mo at home for this year, and I put my home adress because it was cheaper, and the insurance co was OK with that, and I did tell them the car would be at different places for half the year.


Cliffs:
I have 3 choices for an address for car insurance.
I can save a lot of money by putting down an address I don't live at. (25%)
Should I do it?

I think that is what my parants did when I was in school and the car remained insured. The same thing happend when my sister was in school 500 miles from home and then the car was stolen and she/parants still had insurance coverage. Go Progressive go!

 

[amdforever2]

The part of the coverage affected by the address is just comprehensive no?

Since comprehensive is the cheapest component of insurance (at least for me, out of comp, collision, and liability) why not just put the address thats most likely to guarantee you don't get denied coverage if something happens?

 

[Schadenfreude]

Originally posted by: amdforever2
The part of the coverage affected by the address is just comprehensive no?

Since comprehensive is the cheapest component of insurance (at least for me, out of comp, collision, and liability) why not just put the address thats most likely to guarantee you don't get denied coverage if something happens?

Heh, no.

 

[puffff]

you could probably get away with putting your parents' address. not your grandmother's though.

when i was in college, i had a NJ drivers license, and went to school in PA, so i pretty much had to buy insurance from NJ. i think most insurance companies would have some sort of provision for school/home situations.

 

[Captante]

Illegal = yes.

Unethical = also yes.

The best advice is to suck it up & pay the higher rates, but insurance companies do somtimes have really unfair ways of determining how to charge higher rates... at one point I moved literally 1/2 mile from one house-share to another, but the first was in a town & the second was in a city ... Geico tried to jack my rates 40% as a result but they backed off when I threatened to switch companies.