[special-K]

I was just saying you aren't doing anything dishonest when someone hits you while driving on the road and you make a claim when you said you park in a garage and you don't own one. And,when you lie like that you have to accept that you are at risk with no coverage if a mishap occurs at home when parked when the adjuster comes and sees no garage. In both instances that person isn't ripping off the insurance company because the part he lied about is what disqualifies the claim. If a policy holder gets t-boned in an intersection and has their vehicle hauled to a body shop does the adjuster ride by the policy holder's home to see if they have a garage to determine coverage? I see no harm done. If you lie about having a garage you are obviously not covered if something happens at home,even though someone with a garage is,even when the vehicle parked outside the garage. They come out to get washed and other things. Or,if you garage somewhere other than home,you surely will be stopping by the house with it from time to time. You lie,you take a risk. But,your vehicle is covered for it's value while driving and I see nothing wrong with that. I am actually one of the most honest people you will ever meet...brutally honest,in fact.
The very nature of contracts breeds manipulation. That's why insurance companies have lawyers on their payroll. Policyholders are not the only ones who manipulate the written word of a contract,that's for sure.
I see what you are saying. I have a garage,BTW,but have said I parked at my shop 20 miles away when the vehicle sat at my house. My company allows me the option to garage my vehicles elsewhere. There is all kinds of room to fudge on that. You can have a garage and never park in it and when something happens just claim it was one of the rare times it came out. Just like when someone uses their classic to commute to work and if they have an accident they claim they were taking it to get looked at for service.
I owned a cherry low-mile '63 Riviera that I couldn't get classic coverage for because I had no garage. I could only get liability. My wife was carjacked and fortunately allowed to get out at our exit on the interstate. I had just had the car painted and the trunk was full of camping gear we had bought for our kids to go to summer camp. I ended up with nothing,just like that. Fortunately,the crack head got his crack and road back out from the city,on past us about another hour up the interstate. He pulled up to a restaurant,got out,was seen tossing something (my keys) into the bushes,and walked off. The troopers were called and the car was towed. We got called,the car was towed to the Trooper's barricks,I had a locksmith make a key,and had to walk to a gas station for gas since the crack head ran it out,and I took it home. The first thing I did is call my insurance agent and told her I now had a garage to park it in and wanted full coverage. I don't feel the least bit bad about that at all.