moving to new state=new license?

[gotigers]

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i'll be moving to new orleans in a few weeks...the friendly man who's leasing my honda down there suggested that i get a LA license for insurance purposes. does anyone know if this is common? does this mean i have to forfeit my MI license...we've been through a lot together and i don't know if i'm ready to let her go. thanks!

 

[Law2Doc]

i'll be moving to new orleans in a few weeks...the friendly man who's leasing my honda down there suggested that i get a LA license for insurance purposes. does anyone know if this is common? does this mean i have to forfeit my MI license...we've been through a lot together and i don't know if i'm ready to let her go. thanks!

Legally you may only be licensed in one state. Technically if you are residing in a state and no longer have an address in the prior state, you must change your license (I think there is like a 30 - 90 day grace period in most places). Up side of getting a local license in addition to the insurance issues is that it is an indicia of residency, and thus can help with getting in-state tuition at state schools (or at least start the clock running for residency), and make it easier to vote in elections in the place you will be living. Down side is they will have a chance to call you for jury duty.

 

[tinkerbelle]

Legally you may only be licensed in one state. Technically if you are residing in a state and no longer have an address in the prior state, you must change your license (I think there is like a 30 - 90 day grace period in most places).

Really? I thought students were allowed to keep their original license & car tags... and to keep their cars registered in their home states.

 

[AStudent]

I'd have a hard time getting rid of my MI one also, I love holding it under the black light!

One more thing to remember: if you get pulled over in another state (with another state's license) you may have to pay the ticket up front (the cop will actually drive you to the ATM), or you have to surrender your drivers license as a deposit, which can be inconvienent to say the least.

 

[Law2Doc]

Really? I thought students were allowed to keep their original license & car tags... and to keep their cars registered in their home states.

You can't get a new state's license without surrendering the old one. You can be a student out of state without giving up the old state of residency (but that wouldn't involve getting a new state's license). But if you don't have a residence in the old state (or at least have an address you can use - parents etc.), you can no longer call it your "home state" and maintain license and registration there.

 

[Karina]

I work for an Insurance Company. I have insured people with out-of-state licenses. I tell them they have about 90 days to get a Florida license...but I know they don't listen...I am not sure if the company follows through. But I actually dated a guy who had been living in Miami for 5 years and still had his Arizona license and plate.....

Karina

 

[sparky5]

All of the moving/getting new licence registration isn't applicable for students. As a student you can remain a resident of your home state. Or, atleast that is the case in Oregon, New York and California the three states I have dealt with this for. However, you do legally need to tell your insurance company that your primary address has changed. If you don't inform them they can deny you coverage for lieing to them. The insurance companies just want to know where the car is housed most of the time, not what state the licence or registration is for. It can get a little tricky but my insurance company, Geico, issued a registration with my CA address even though it is NY insurance. I don't think the different address thing is a huge deal, but something to be aware of.

or atleast that is my read of the laws from reading them and consulting with my dad, a real estate attorney.

 

[Dr Brentwood]

Did your insurance rate go up when you told them that you were housing your car in NY compared to CA? Just curious cuz I'll also be attending NYMC this fall and I'm moving from CA.

All of the moving/getting new licence registration isn't applicable for students. As a student you can remain a resident of your home state. Or, atleast that is the case in Oregon, New York and California the three states I have dealt with this for. However, you do legally need to tell your insurance company that your primary address has changed. If you don't inform them they can deny you coverage for lieing to them. The insurance companies just want to know where the car is housed most of the time, not what state the licence or registration is for. It can get a little tricky but my insurance company, Geico, issued a registration with my CA address even though it is NY insurance. I don't think the different address thing is a huge deal, but something to be aware of.

or atleast that is my read of the laws from reading them and consulting with my dad, a real estate attorney.

 

[MadameLULU]

One more thing to remember: if you get pulled over in another state (with another state's license) you may have to pay the ticket up front (the cop will actually drive you to the ATM), or you have to surrender your drivers license as a deposit, which can be inconvienent to say the least.

Sounds like a cop has been bull****ting you

 

[MadameLULU]

All of the moving/getting new licence registration isn't applicable for students. As a student you can remain a resident of your home state. Or, atleast that is the case in Oregon, New York and California the three states I have dealt with this for. However, you do legally need to tell your insurance company that your primary address has changed. If you don't inform them they can deny you coverage for lieing to them. The insurance companies just want to know where the car is housed most of the time, not what state the licence or registration is for. It can get a little tricky but my insurance company, Geico, issued a registration with my CA address even though it is NY insurance. I don't think the different address thing is a huge deal, but something to be aware of.

or atleast that is my read of the laws from reading them and consulting with my dad, a real estate attorney.

Yeah, i talked to my insurance company about this and they're being really difficult about it. Where I'm moving insurance is about $600 more a year. Damn michigan and it's no fault laws 👎

 

[joe6102]

Sounds like a cop has been bull****ting you

That's what I was thinking. This person got swindled by a cop! He probably just tore up the ticket and kept your cash.

In all the states I've lived (4), you have to surrender your old license. Unless, of course, you happen to *lose* it the morning you go to the DMV.

 

[brucecat]

i'll be moving to new orleans in a few weeks...the friendly man who's leasing my honda down there suggested that i get a LA license for insurance purposes. does anyone know if this is common? does this mean i have to forfeit my MI license...we've been through a lot together and i don't know if i'm ready to let her go. thanks!

why don't you say you lost your license and get a new MI license; use the new one to trade in for an LA license, and then you can also keep your old MI license...

 

[Law2Doc]

why don't you say you lost your license and get a new MI license; use the new one to trade in for an LA license, and then you can also keep your old MI license...

To the extent you ever "use" your old MI license once you get a LA one (esp. if you give it to a police officer), I'm pretty sure you are committing a crime. Why not just get the new license and be happy. Most states don't make you take a new test.

 

[luvmykitties]

One more thing to remember: if you get pulled over in another state (with another state's license) you may have to pay the ticket up front (the cop will actually drive you to the ATM), or you have to surrender your drivers license as a deposit, which can be inconvienent to say the least.[/QUOTE]


This happened to my husband and I! We were in Wisconsin and he got pulled over for speeding. The cop made us drive to an ATM and then follow him to the police station to hand over the money to the clerk at the desk. The form my husband had to sign states this is their policy for out of state drivers with no ties to Wisconsin.

 

[quideam]

I've actually heard about this before. Some states do this for out-of-staters who have no incentive to pay the ticket otherwise; after all, if you're just driving through, and have connection to the state, it doesn't effect you to not pay the ticket. So much for ditching the ticket...

 

[MadameLULU]

perhaps its a northern thing...i dont know of any states in the south that do this. I'd be so pissed!

 

[ZappBrannigan]

My parents (in Seattle) would like to put my "new" car (in Wisconsin) under their names for insurance purposes. Is there any problem with doing this with the whole licensing thing?

 

[sparky5]

Did your insurance rate go up when you told them that you were housing your car in NY compared to CA? Just curious cuz I'll also be attending NYMC this fall and I'm moving from CA.

Yes, it went up but it isn't an apples to apples comparison though. I changed from being on my parent's policy which was sweet since it was homeowners+multicars so my car was cheap, to Geico in NYC being a solo policy. (Geico hands down beat the other carrier's quotes in NYC by about 50%.)

I do have friends who are lying about it and keeping the insurance on the west coast. But, my since homeowners was tied to the auto policy, and my dad does real estate law, lying was not an option in my case.

You are a student, and i feel like >80% of my college friends either didn't tell the insurance co or they were on a multi car policy as a student so you might be able to get that deal. Good luck!!

 

[sparky5]

My parents (in Seattle) would like to put my "new" car (in Wisconsin) under their names for insurance purposes. Is there any problem with doing this with the whole licensing thing?

I haven't heard of a good legal reason to put the car in their name. The only reason I can think of would be taxes breaks if there is one from your car purchase. If the car is in their name, and you get in a huge wreck, they are liable as the owner of the car, and I will go out on a limb but I am guessing they have more assets than you, so they have more to loose. I haven't however heard of an insurance co. caring who the reg. owner of the car is in a family situation on a multicar policy. But, without a little more info it is really hard to tell what you are trying to do, ie where is the car registered? I think you need to have a license in a state to register it there so if you are flying and buying you need a new license, and your parents need a license in wiscon. if they want to own a car there. but that is just like my opinion man. 🙂

 

[ZappBrannigan]

I haven't heard of a good legal reason to put the car in their name. The only reason I can think of would be taxes breaks if there is one from your car purchase. If the car is in their name, and you get in a huge wreck, they are liable as the owner of the car, and I will go out on a limb but I am guessing they have more assets than you, so they have more to loose. I haven't however heard of an insurance co. caring who the reg. owner of the car is in a family situation on a multicar policy. But, without a little more info it is really hard to tell what you are trying to do, ie where is the car registered? I think you need to have a license in a state to register it there so if you are flying and buying you need a new license, and your parents need a license in wiscon. if they want to own a car there. but that is just like my opinion man. 🙂[/QUOTE

My parents' insurance agent said that it would be cheaper if the car was under their name instead of mine and I'm sure that they have a high enough limit that they wouldn't lose their house if I were to get in a car accident (plus at 24 I'm less risky than when I was on their policy at 16). So I guess my question was pretty much if we could have a Washington state policy on a Wisconsin licensed car. Surely someone went away for undergrad with a car on their parents plan.

 

[sparky5]

1st FOR ****s sake, use the preview button.... close those tags!!!!

My parents' insurance agent said that it would be cheaper if the car was under their name

under their name meaning registered to them? or meaning under their policy? as I said last post for them to register it they need to have a licence in that state. All my friend's cars were from their respective states in college.

I'm sure that they have a high enough limit that they wouldn't lose their house if I were to get in a car accident

Most likely for most small fender benders, but god forbid you were to get in a huge accident where you were totally at fault and you total the other car and the other driver gets killed or gets a C6 spinal fracture, that is a huge amount of money the other family is coming after. Perhaps you do carry that much insurance, but that costs too much for my med student loans to pay.

if we could have a Washington state policy on a Wisconsin licensed car. Surely someone went away for undergrad with a car on their parents plan.

If the insurance company will write it there is no problem with it.

 

[Law2Doc]

Most likely for most small fender benders, but god forbid you were to get in a huge accident where you were totally at fault and you total the other car and the other driver gets killed or gets a C6 spinal fracture, that is a huge amount of money the other family is coming after. Perhaps you do carry that much insurance, but that costs too much for my med student loans to pay.

A better example of an extreme accident insurance couldn't adequately cover might be a multiple car pile-up you caused where lots of people were seriously hurt and all sued, or eg. if you totalled a full school bus of kids. That would be huge money. A bigger issue for your parents though would be if you were in an accident that insurance wouldn't cover -- either you were intoxicated, or perhaps someone else not listed on the policy was driving (because you were perhaps intoxicated?). Thus the savings on the policy needs to be pretty good for your folks to assume this kind of risk.

 

[ZappBrannigan]

So I ended up talking to my sister in law who's a lawyer and she said that you don't have to have a driver's license in the same state that your car is registered (but it can be a pain if your pulled over with an out of state license). Your insurance policy must be written in the same state where your car will be, but they don't necessarily have to have an office there. I may just end up getting my own insurance policy anyway, though I don't know why people thought it would be such a huge deal if I were on my parents considering that most teens drive their parents cars and they're much more likely to engage in risky behavior.