Here's why it's complex:
* State Regulations Vary: Each state has its own insurance requirements. A policy that's perfectly legal in one state might not meet the minimum requirements of another. You could face penalties if you're involved in an accident and your insurance is deemed inadequate in the registration state.
* Proof of Insurance: Many states require proof of insurance to be carried in the vehicle and/or to be shown upon request by law enforcement. The insurance must be valid in the state where the car is registered.
* Claims: If you have an accident, your claim's processing might be complicated if the insurance policy isn't linked to the vehicle's registration state.
In short: While you *can* buy insurance from an insurer in a different state, you must ensure that the policy meets the minimum requirements of the state where the car is registered. It's best to check with the Department of Motor Vehicles (DMV) in the registration state to determine the exact requirements and to confirm that the chosen insurance company and policy are compliant. You should also inform your insurance company about where your car is registered.
