Whether it’s a project car, an old classic you’re going to put together someday, or it just needs a few repairs, you may wind up with a non-running car in your garage, and you’ll be wondering if you are required to carry insurance on it.
The short answer: No, you don’t. At least not in San Antonio, TX. You can go ahead and call Access Insurance Services and cancel your policy until you have that thing back on the road again.
Auto insurance is required by law in order to provide liability protection so that if you cause an accident, the other party is covered. They don’t have to come after you, personally, to have their losses compensated.
That said, if your car isn’t covered, then it’s not covered.
That means that if you drop your insurance and leave your car out in the driveway and it gets stolen or vandalized, you’re not going to have anyone to call to cover the loss.
If you store that old car in the garage, it may be possible to get it covered by your home insurance, but not all home insurance providers will cover a car as a possession. You could also talk to your auto insurer about getting limited protection on your auto so that it’s still covered, but you don’t have to pay for liability insurance that you’re not using.
You have plenty of options in San Antonio, TX, so if you have any questions, get in touch with Access Insurance Services. Whether it’s a project car or your main ride, Access Insurance Services can get you the coverage you need.
Based in San Antonio, TX, Access Insurance Services offers multiple types of coverage. We help educate our clients so that they can find the right policy for their situation. We proudly serve as an independent agency.
Motorcycle Insurance Variables
During warm summers, many Texas residents enjoy exploring the state on their motorcycles. If you enjoy riding a motorcycle, it is important that you have coverage. Motorcycle insurance protects you and your assets as you ride around San Antonio, TX. You are protected if you are involved in a collision or if your motorcycle is stolen or vandalized. You are also covered if your motorcycle is damaged due to a fire or natural disaster. Liability coverage protects you if your motorcycle injures someone or causes damage. Here are some important variables to consider while researching policies.
You can add extra coverage to your policy to protect you in unique situations. Comprehensive coverage protects you if your motorcycle is damaged due to inclement weather or if you collide with an animal. You can add uninsured motorist coverage to protect you if you are involved in an accident with another driver who does not have coverage. If you make any upgrades to your motorcycle, you’ll have to amend your policy to cover you if those are damaged.
The type of motorcycle coverage that you need depends on the motorcycle that you have. If you have a high-speed motorcycle, you’ll probably need a more comprehensive policy because operating it comes with a lot of risks. If you have a valuable motorcycle, consider adding storage coverage. Accidents can happen at any time. Something could go wrong even while you aren’t using your motorcycle. With storage coverage, you will be protected if the unit accidentally catches on fire and your motorcycle is damaged.
Access Insurance Services Will Help You Enjoy The Open Road
Visit our website today to learn more information about motorcycle insurance.