I have come across this twice recently and never thought it was an issue until then. Here is the situation: You live in State A. You move to State B. You take your cars with you and your auto policies. What should you do?
The easy solution is to notify your insurer and get a policy for State B. Why? There are a few reasons:
- It may be cheaper. A policy in your new state may save you money.
- Different coverages apply. Some states, like New Jersey, have no fault. That may not be the case in your new state. You want the right type of coverage for your new state.
- Your life will be easier. In some states, even with the same coverage, different rules apply. Maybe your state has certain rules about uninsured motorist coverage that are not in the new state. These rules may affect the policy and how the claim should be handled. But you will have a hard time finding an attorney who knows all of the rules and can explain them to you.
- Your old insurance company may not be in your new state. That could cause a problem, including them not understanding how things work in your state.
The basic advice is simple: if you move, get new insurance. It will make your life easier!