Cars Registered in Residing State - Who Cares?

I have this happen alot where people move into my state & they don't immediately get updated driver's licenses or registrations. Sometimes my scum bag underwriters will send out requests for this info etc & threaten cancellations.

So in a perfect world where we 100% know they reside in state & don't travel out of state & simply didn't register the car yet in their new state...who cares from an insurance standpoint? How is the risk different? I understand if they're driving in another state that the insurance company could be on the hook for different PIP coverages etc.

But again in my
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