Re: Here's my idea ! (archive)

If you tell the agent the truth, he or she may decide that based upon your driving record and based upon the record of your family and good common agenting sense that it would be a good risk for the insurance company to insure you with another base location for your car, out of the 4 cars at home. It is entirely possible and quite normal in some cases for a family to have 3 or more cars insured under one main policy with "a different base location for each car" depending upon the reasons. Some familys have two or more main homes including 2 or more vacations homes which could even be a trailer in an inexpensive trailer park in California. The main thing is that you must tell the agent the truth. If they are a good agent they will tell if and how it can be done, and suprisingly many times they will work with you trying to help you based upon your good name and driving records. If the agent knows the truth and makes the deal, then it's legal and proper.

What PMB (Paul) was trying to point out, and who would know better, (PMB is a very highly qualified, knowledgable and experienced attorney on the highest level possible in this country.) and what he was trying to point out (free legal advice by the way) is that if you lie, tell an untrue story, fabricate a conviente situation or mislead anyone in the process of them giving you insurance, that you will not only stand the chance of losing any of the insurance you were attempting to gain, but you could also put yourself in jeopardy of being considered guilty of doing something illegal and against the law. Special Insurance investigators, District Attorneys, prosecutors, Court officers and Judges are not usually sympathetic and understanding towards people who break the law regardless of the reasons why. They leave that sort of sympathy and understanding to the defense attorneys and Jurys.

If you knowingly create a false and misleading situation in which you gain at the expense of others it will come back to haunt you guaranteed.
However, if you openly and honestly tell the truth about the situation, you may be surprised to find that you may get insurance regardless of your circumstances, which when you think about it is really not such a far stretch, all things considered.
Good luck, Kurt.G

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