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Old 07-10-2015, 02:56 PM   #1
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Possible insurance loophole

I live in NC. It is impossible to get insurance for a school bus conversion in NC.
So here's what we're going to do! We're going to get our bus registration done in South Dakota! They allow non-residents to register there. That way I can get National General insurance since it's not NC. NC is the only state that they will not insure school bus conversions.

If National General has a problem with this, I can move my residency to SD as well. Without ever stepping foot in SD. If they for some reason require a SD driver's licence, I'll just have to go to SD for one day and show the DMV a receipt from a campground saying that I lived there for one day. Then take the test and officially become a licensed, registered, resident of SD. Which has no income tax and less everything else taxes.
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Old 07-10-2015, 03:32 PM   #2
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Yep- the ole' South Dakota title... I've heard of that one before. good call.
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Old 07-10-2015, 06:20 PM   #3
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Why don't more people do this who have problems with insurance?

I talked to the DMV. You don't even have to be a resident or have a driver's license there. You just fill out a title and registration application with your current out of state address and your SSN.
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Old 07-10-2015, 08:55 PM   #4
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If you live in California and the cop sees you all the time, he will pull you over and issue a citation. If you are traveling all the time, it wouldn't be a problem...unless showing a California drivers license when pulled over. CA doesn't like giving up DMV fees to anyone.
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Old 07-10-2015, 09:33 PM   #5
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LOTS of FT RVers do the SD thing.
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Old 07-11-2015, 11:14 PM   #6
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I understand about the fraud thing. Lots of people get out of state plates to avoid paying high taxes and insurance. SD would like to help resolve this problem, but they also enjoy making money from RVers, as millions of dollars in tax revenue is from that. It's so easy to become a resident there by getting a mail forwarding address, but that's actually not needed if you just want registration. SD would rather you register as out-of-state non-resident and use your real physical address from your home state instead of using a mail-forwarding service. That way they can detect fraud by comparing state DMV records. If you're a true nomad full-timer with no permanent address or if you rent your property out and never live at your out of state address you can fill out an affidavit swearing that you have no physical address. You can legally use a mail forwarding service in this case to establish your residency. Then you can become a SD resident "nomad" with no address.

Here's the memo from the SD DMV: http://dor.sd.gov/Motor_Vehicles/Non..._residence.pdf
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