I have been seeing this quite a bit lately and want to know if there is any type of exception that I am not aware of. There is a main panel box (service disconnect) at the power pole outside of the home. Ground wire from a driven ground rod runs into the panel and the grounds and neutrals are bonded. 4 wires (2 hots, ground and neutral) run in conduit underground from the panel at the pole, into the home and feed the distribution panel box in the garage. Here, the ground and neutrals are again bonded. This I know is incorrect. However, is it allowed if there is another main disconnect switch installed in the garage panel box or is the first disconnect switch at the pole the only one that counts. I just can't understand why if it is incorrect, why I am seeing it so often; especially in the municipalities. BTW: I have searched numerous threads on this and I suppose I just haven't quite found an answer for my question Thanks