<prompt> Human: First off, I apologize if this isnt right subreddit but I didnt know where else to turn.Two days ago my car was stolen in front of my apartment during the night. I am covered for theft, however there lies a couple issues.My mother is the policy holder and I am insured under her policy, however that insurer is based out of Ohio and I am currently living in New Jersey. The car had New Jersey plates on it I told the adjuster I lived here for 5 years as well as go to school. Now, they are giving me a hard time because I should have had NJ Insurance. I kept Ohio insurance because NJ insurance is rediculously expensive and I travel between Ohio and NJ often.Also, I changed plates because cops were giving me a hard time with out-of-state plates. Basically, because I reside in NJ and not Ohio they will not cover my stolen vehicle. I cannot afford another vehicle and I really cant live without one here. Is there anything I could do to fight to get my car covered. I really dont know what to do and any advice would be great.Thanks guys.  <response>: While you wont get the insurance company to reimburse you for the car, due to the insurance fraud, you should be able to get them to return any premiums they collected that they shouldnt have taken if they knew it wasnt eligible for coverage. 