Insuring Car Outside NY
We’re buying a weekend home in CT, and it just occurred to us that we could now change our car registration, legally and legitimately, to CT and thus pay lower insurance rates. Any reason not to do this? Given that Brooklyn is our primary home and we’ll be spending more of our time here, is…
We’re buying a weekend home in CT, and it just occurred to us that we could now change our car registration, legally and legitimately, to CT and thus pay lower insurance rates. Any reason not to do this? Given that Brooklyn is our primary home and we’ll be spending more of our time here, is there any advantage to keeping our NY registration?
Thanks for any insights!
I don’t think there are any parking permits, except maybe in Breezy Point? Does anyone else know?
I am with Vinca — bring them on.
pmmtenement — my guess is that it was the parking tickets, not the EZ pass, that triggered the re-evaluation. I would think that EZ Pass cannot share that information without a court order, but parking violations are presumably public records.
I don’t think there is a split on whether this is legal or not. There appears to be a split on whether it is worth the risk. It is not legal – or ethical. As one of the other poster said, if you are the kind of person who wants to be ethical (if not legal), you need to register your care where your primary residence is – or at least where the car is primarily located. If you really park your car at your country house and take the train back and forth to the City, you car can be registered at your country home. If you are driving back and forth and parking in Brooklyn, Brooklyn is where your car is based. Sorry if that is not the answer people want to hear.
I think there are already parking permits in some neighborhoods? Aren’t there?
And YES, this is insurance fraud and BULLSHIT. It’s not the insurance I care about (though, you will if you have an accident and the insurance company refuses to pay… and they will refuse to pay)… What I care about is the REGISTRATION FRAUD.
You park on OUR streets, drive on OUR streets, increase congestion on OUR streets… but you scam your way out of paying NYS your registration and inspection fees? Yes, I know it’s not much money per car, but what if the 1/4 of a million PA, NJ, NC, FL and DE plates parked in New York City were actually NY State plates?! That’s a decent chunk of change.
Oh, yeah. And it’s the law. Your ‘country home’ is NOT your primary residence. It doesn’t count for ANYTHING ELSE… taxes, FHA loan eligibility, etc. WHY o’ WHY do you think it would be ‘legit’ for your car?
The terms of ALL auto insurance policies are based on the “location of the primary garage” — Is this CT? NO!
FUCK.
OK, since the votes seem to be pretty split on whether this is legit or not, who’s the proper authority to contact for a definitive answer? We’re only interested in doing this if it is legitimate, legal, non-fraudulent, and would not compromise our coverage. We’re not likely to make small claims here and there, but saving a few hundred bucks a year is definitely NOT worth the risk of having coverage denied should something catastrophic happen.
Not legal advice, but let me tell you a true story. Driver lives in the Bronx. Has family in Ohio. Driver registers her car in Ohio for the lower insurance rates. Driver gets into a really bad accident (her fault) in Manhattan. Driver is injured as is the driver and passengers of the car she hit. Driver is sued and she looks to her insurance company for indemnification. I, representing the insurance company, discover that the Driver really lives in the Bronx. Insurance company disclaims any obligation to cover her. We issue her a check that reimburses her premiums paid and walk away. Bronx driver is now on her own and is on the hook for all damages to her own car and her injuries as well as that of the other driver and passenger she hit and injured. Her assets (her condo in the Bronx, etc.) are now reachable by the other injured parties. It sucks to be her.
“We drive the car back and forth so car is in Brooklyn 5 days a week, but we really only park it here — are repark once a week for street cleaning.”
So what? insurance companies ONLY care about where you claim to park the vehicle. THey could care less that you hardly drive it here vs upstate vs timbuktu.
Brooklyn insurance rates are amongst the highest in the nation for a reason!
Parking permits will never happen.
Pathetic. Can hardly wait for residential parking permits so this scam will end and all the so-called CT, PA, DE, GA, FL drivers have to scramble to get legal.
Unless your a horrible driver who makes lots of claims you wouldn’t run into any problems. I do something similar to DIBS except with another NY address.