No accident just a ?

YOUR STATE NAME - tx
i bought a car in ohio but i now live in texas with my husband who is in the military i still have my ohio's driver's license. do i have to buy texas car insurance. just wondering because i got a quote from an agent here in texas and he was going to charge over 2x/s as much as my ohio agent charges me and it is the same insurance company.

[Juan Rodriguez]

You have to buy the Texas auto insurance. State insurance laws are different and the insurance coverage you buy is based on those laws. Right now you are residing and driving in Texas and only those laws apply.

The premium you are paying is based on a car that is supposed to be "garaged" in Ohio and not Texas. Since you have made a PCS move with the military you are given a grace period to comply with the required laws of your new state. If you are involved in an accident your claim could be denied.

but my insurance agent knows i live in texas now and i still have a ohio driver's license and an address in ohio

I found lots of info in using [url]www.msn.com[/url] search (or another search engine would be fine too), using the search terms, "car insurance and military," and "military exemptions" (without the quotes).

It is possible your question is stemming referring to the Soldiers and Sailors Act of 1940?? It certainly provides some interesting benefit for military personnel and their families. I believe it provides for not having register for a new driver's license and car registration if you are temporarily stationed in another state away from your state of domicile However, I am unsure regarding car insurance. My suggestion would be for you to follow the advice I got from this web site (which is also posted just below the link):

[url]http://www.defenselink.mil/specials/Relief_Act/[/url]

"Service members who encounter personal legal problems, and who believe they may qualify for protection under the Soldiers' and Sailors' Relief Act of 1940, should contact their unit or installation legal assistance office."

Also, see
[url]http://www.cgspouses.com/resources/articles/soldiers_sailors_act.shtml[/url]

I think the legal assistance officer of your husband's unit is a good place to start, and ask some questions with him/her. It is likely you will have to pay car insurance for whatever state your husband currently is stationed in, but perhaps some of the other benefits will help curtail the cost of that car insurance.

[crusheroz]

You have to get insurance in the state you live in now. It does not matter that you have an Ohio license and address. Also you may want to check out the laws for Texas. Some states require that even spouses of military personal have to get a new state license and register there POV in that state. All of this info should be in the Welcome packet or book about the post and surrounding areas. They have a lot of information in there regarding this and other issues. . Or call the local DMV and they should be able to tell you. And if you think the insurance is high in Texas, you will freak out when you go to Germany.

[driftbuster]

military personal and family are excempt under that act as stated above. but if you are discharged and you stay in that state you have to change you license and insurance. check with base legal but i traveled aout in 3 states in the service an never had any problem keeping my insurance, plates and license in another state. oh by the way your plates cannot be expired and your license must be up to date. your policy converts to the state insurance laws you resde in. for example my mi no fault converted when i lived in nj

So you should PLAN on making a trip back to Ohio when your license or registartion or emissions sticker expires....

It takes JUST ONE observant dedicated government worker to see a texas postmark or a texas check or money order with your renewal to reject it.