Do I Need To Carry Insurance On A Car That Won’t Run?

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.