Charles, I am thinking about what I am saying or I wouldn't have said it. For the past 18 years, I have worked in the PPA business as VP of Product Management. Our Company and competitors all require the vehicle to be insured from the state it is garaged, thus the premium collected covers the exposure for our risk of loss. The reason is, the vehicle will most likely be driven in the state it is garaged in, not where it is registered. Anyony, including some posters in this thread register a vehicle in a state they do not live in nor have any intention to live in. Secondly, financial responsbility limits are different from state to state. Most companies want the premium for the amount of exposure they are insuring. For exmaple, CA minimum Bodily Injury FR limits are 15/30. TN on the other hand is 25/50. Big difference in exposure. Why would I want to insure someone that lived in TN that had their MH registered in CA? I would be providing 25/50 limits and collecting 15/30 premium.
My Company chooses to not allow vehicles that are registered and garaged in two different states for this reason. I said in my previous post, most companies fall into this category, but some companies may allow writing an out-of-state vehicles.
If you look at most mainstream companies, the garging zip is used to rate the policy. Furthermore, Companies file rates based on zip codes for that state.
In commercial policies, the vehicle could be registered to a company that is out of state. But, the insurance is generally provided in the state the vehicle operates.
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