Got a bit of a sticky situation on my hands and would appreciate any (practical, not ethical) advice.
I'm an Ohio resident according to my license, so for the past 8+ years I've kept my cars registered in OH at the address on my license, which is my parents' legitimate residence. This has allowed me to pay OH insurance despite living in NY, saving some 50 grand in the process. Unfortunately, my wife was in an accident in December, and after paying out for the claim Nationwide sent me a termination notice stating that they have now determined that I garage the car in NY. This leaves me with a few questions:
1. Anyone ever hear of an insurance company coming after a customer retroactively for claims already paid?
2. Similarly, do they have any grounds for coming after me now to pay said 50 grand that I had saved?
3. Can I simply switch to a different insurance company in OH, or is there some sort of official record now showing every insurance company where I live?
Thanks.