oxford wrote:
In the panel at the house the grounds and neutrals are all connected to the same busses. 2 hot legs and one bare wire run down from the meter base, bare wire goes to the ground/neutral buss. I then have a separate ground wire that runs from the ground/netural buss to my water main that comes into the house. From what I see the grounds and neutrals are not separated from, each other.
That is correct, at that point they are connected together...
oxford wrote:
Now to the sub panel. Are you saying that the grounds and neutrals do indeed need to be on separate busses in that panel and then running back to the main panel?
Yes, in the situation you describe, they are supposed to be separate...
oxford wrote:
What is the difference when they get to the main panel and essentially go to the same thing or do each of those wires not get hooked up to the ground/neutral buss that is in there?
Remember that inside a house "Ground" and "Neutral" aren't the always same thing... A "Ground" wire should never be carring current but a "Neutral" can.
oxford wrote:
Also does the water line I have running out to the garage make any sort of difference or not? Thanks.
Yes it does.... If there were no metallic connection between the two buildings the NEC would allow you to run only three conductors (two hot and a neutral) between the two buildings and a "ground" wire run to a copper ground rod driven into the ground.... (It would be wired just like the main panel)
I think the reason why the NEC won't allow you to ground to the water line in both places is so there is no way to accidently get current flowing through the water line