Bill Lets Military Members Keep Car Insurance When Moving to New State

By Andrew G. Simpson | May 19, 2014

  • May 20, 2014 at 1:26 pm
    New Bob says:
    Well-loved. Like or Dislike:
    Thumb up 21
    Thumb down 0

    Nice feel good thing to do, but how will they deal with no fault laws?

  • May 20, 2014 at 1:56 pm
    Original Bob says:
    Well-loved. Like or Dislike:
    Thumb up 21
    Thumb down 1

    A solution looking for a problem! Is this really a problem or a temporary inconvenience? As a former military member (many years ago) I changed states six times in four years and found it was not big deal to get a different auto insurance. And, finding insurance today is only as far away as the nearest computer or smart phone.

    • May 20, 2014 at 10:02 pm
      Tom Murin says:
      Like or Dislike:
      Thumb up 9
      Thumb down 0

      I totally agree. I moved a number of times when I was on active duty and obtaining auto insurance wasn’t a problem. I am not aware of any company that will cancel a policy if the person moves out of state – they will non-renew, as appropriate. Many service members are with USAA anyway – and they certainly understand the needs of military members and their families. Most people obtain a new policy right away if the rates are cheaper! If they new policy will be more expensive – they wait for the end of the policy term.

    • May 21, 2014 at 1:50 pm
      KY jw says:
      Like or Dislike:
      Thumb up 6
      Thumb down 0

      That is the best description. This is absolutely a waste of time and energy. And probably money, if the feds do their usual study the thing to death.

  • May 20, 2014 at 3:00 pm
    KentU says:
    Like or Dislike:
    Thumb up 9
    Thumb down 0

    I’m an Army vet and know many career vets from my American Legion post and therefore understand the situation. However, they will still have to change policy forms to meet the insurance requirments of their new state. Some states will accept most Texas policies because they clearly state that they will adhere to at least the minimum requirements while the insured is a guest in that state. Many if not most states recognize active duty military personnel as guests and will also not require them to register their vehicles in that state and they can hunt and fish without obtaining those licenses in those states. Perhaps this Bill is to set standards since there currently are none.

    Plus, how would you rate for the exposure as the rate needs to apply where they are stationed.

    • May 20, 2014 at 3:15 pm
      Original Bob says:
      Well-loved. Like or Dislike:
      Thumb up 19
      Thumb down 0

      KenU:
      More likely than setting a standard, this bill is probably a political move to showcase their support for vets. Their time is better spent focusing on shortening VA hospital waiting lists – something actually regulated by the fed rather than meddling in state regulation where they do not belong.

      • May 20, 2014 at 4:08 pm
        Agent says:
        Like or Dislike:
        Thumb up 8
        Thumb down 2

        Hey OBob, If you like your Auto Insurance, you can keep it, right? If you need to be treated at a VA hospital, no problem. By the way, our wonderful Jay Carney said they learned of the VA problem by the news. Was that the news in 2008 he was talking about? This is a national tragedy and the blame sits squarely with Progressive Democrats who did nothing to straighten out the numerous problems at the VA. I had a friend that nearly died from an infected gall bladder and they didn’t even have a general surgeon to operate. He came back home and they operated the next day at our local hospital and got it out in the nick of time.

  • May 20, 2014 at 4:39 pm
    Pedro says:
    Like or Dislike:
    Thumb up 7
    Thumb down 0

    What do they propose to do for the service member if they are insured with a company that is not licensed in the state they move to?

  • May 20, 2014 at 6:00 pm
    Huh! says:
    Like or Dislike:
    Thumb up 8
    Thumb down 1

    While this sounds like a good thing, it looks like a step towards Federal control of insurance.

  • May 20, 2014 at 10:48 pm
    Dora says:
    Like or Dislike:
    Thumb up 5
    Thumb down 0

    A nice PR gesture, but how will this work if the insurance company does not have offices in the stat4e? How will they handle claims?

    • May 21, 2014 at 12:22 pm
      KentU says:
      Like or Dislike:
      Thumb up 6
      Thumb down 0

      I’ve had this situation a number of times over the years. Every carrier that I know of has standard proceedures to handle a claim out of its operating territory. The claims have usually gone well as independent adjusters are used and their estimates are accepted by the carrier.

  • May 21, 2014 at 12:39 pm
    Libby says:
    Like or Dislike:
    Thumb up 6
    Thumb down 0

    Simple fix. USAA!

    • May 21, 2014 at 6:08 pm
      KentU says:
      Like or Dislike:
      Thumb up 4
      Thumb down 0

      I suggest to most of my active duty military customers to check with USAA if they move out of state. If they own a home and are stationed in the same state the home is located then, other carriers can beat USAA rates with an auto-home policy discount. The USAA rate structure has changed in that their rates are very good for active duty personnel but, their rates are not as competitive anymore with retired and non-retired veterans.

      • May 22, 2014 at 10:23 am
        Libby says:
        Like or Dislike:
        Thumb up 4
        Thumb down 1

        They didn’t even ask me if I was active duty or not. I agree that their premiums are a little higher, but their coverage is also tailored to military personnel. For instance, when I moved across country my homeowners policy automatically covered my belongings while in transit. Other homeowners carriers won’t do that.

        • May 22, 2014 at 10:23 am
          Libby says:
          Like or Dislike:
          Thumb up 3
          Thumb down 0

          Not to mention their claim service is top-notch.

        • May 22, 2014 at 5:43 pm
          Not necessarily.. says:
          Like or Dislike:
          Thumb up 1
          Thumb down 1

          SOME other HO carriers MAY not cover personal property in transit, but I would venture to say that most do.

          • May 23, 2014 at 9:12 am
            Libby says:
            Like or Dislike:
            Thumb up 0
            Thumb down 0

            Check it out.

    • May 22, 2014 at 1:44 pm
      Phoenix says:
      Like or Dislike:
      Thumb up 2
      Thumb down 0

      Experience a couple of nonpay cancels with USAA and see where you end up. No military status is going to help you then. You’ll be talking to the green lizard in no time!

      Insurance is just the dangling carrot for USAA. Their goal is to get your financial services business.

      • May 22, 2014 at 3:13 pm
        Libby says:
        Like or Dislike:
        Thumb up 3
        Thumb down 0

        Maybe so, but what’s wrong with that?



Add a Comment

Your email address will not be published. Required fields are marked *

*

More News
More News Features