Is Dual Residency Insurable?
- Thread starter maxins09
- Start date
I'm not the best with international cases but ISO says that Canada is part of the coverage area. Does he have a Florida license as well? Where does he get all of his mail to and things like that? Does he use the car up there and in Florida? What about the risk did the UW say no about? Was it the garaging address(es), CLUE/MVR, or something else?
Example:
2 cars, on in FL and one in Canada- that gives 2 major differences in garaging addresses. I don't even think Progressive offers insurance in Canada. If you have Nationwide or something maybe they can do it?
Example:
2 cars, on in FL and one in Canada- that gives 2 major differences in garaging addresses. I don't even think Progressive offers insurance in Canada. If you have Nationwide or something maybe they can do it?
- Thread starter
- #3
He has an international license. The car is driven back and forth from canada to florida six months at a time. He owns a home down here in florida. The underwriter declined risk because of dual residency being in canada. Canada was not acceptable residency for that particular company.
JackThomas
Expert
- 995
Try Travelers.......
I'd have an issue with someone putting serious miles on that as well. You're also changing garaging locations pretty ridiculously as well, opposite sides of the country. I'd have some issues with loss exposure as well.
If a company doesn't write it, maybe tell him to get a beater car and keep it in Canada and one in FL. Get a policy for both.
It isn't necessarily a lot of miles...while it may be 3,000-4,000 per trip, that is only 6-8K on the year. It is possible he does little driving once he is at the destination. Hell, I do 25,000 easy just to and from the office a year.
I assume he wants the car to make the trip so he can transport more luggage/random crap? If not a car in both locations makes more sense.
I assume he wants the car to make the trip so he can transport more luggage/random crap? If not a car in both locations makes more sense.
I'm not going to drive my car from FL to Canada to let it sit in a parking garage. Either that car is nice and I want to show it off by driving or it is a business car and I will be using it a lot, or I'm lugging **** from point A to point B. otherwise, I'd keep a car in Canada and FL and reduce the maintenance of doing such trips, avoiding accidents, and reduce the headache of driving for a while. There is something up here on why he does that- I would assume if you make a car trip and live in 2 different houses 6 months at a time you have some kind of money, too, where a plane ticket isn't a big deal.
- 995
NCPCLHnoob said:
I know snow birds down here that make a similar trip and put less than 9k miles on their car. There are some communities you can park your park car in the garage year round. Pull into a grocery store and there is more parking spaces for golf carts than regular cars.
I guess I'm just not at that point in my life
. I also just can't fathom driving a car that far only to let it sit there...Similar threads
