Generally, yes, a car still needs insurance even if it's not being driven. Here's why:
* Liability Coverage: Even a parked car can be involved in an accident, such as if someone else crashes into it. Liability insurance protects you financially if you are found responsible for damage or injury caused by your car, regardless of whether it was being driven at the time.
* Comprehensive and Collision Coverage: These coverages protect you from damage to your own car, whether it's due to an accident, fire, theft, vandalism, or other events. Even if you're not driving, your car can still be damaged.
* Legal Requirements: Many states and countries require all registered vehicles to have liability insurance, regardless of whether they're being driven. This is to ensure that everyone on the road is protected in the event of an accident.
Exceptions:
* Storage or Non-Operable Status: Some insurance companies may offer "storage" or "non-operable" policies for cars that are not being driven. These policies generally provide limited coverage, such as liability and fire and theft, at a lower cost.
* State-Specific Requirements: Laws vary from state to state. In some cases, you may be able to obtain a "non-operation" permit or certificate that exempts you from certain insurance requirements if your car is truly not being driven and is stored off-street.
It's crucial to check your state's laws and contact your insurance company to determine the best course of action for your situation. Even if you are not driving your car, it's still a good idea to have at least liability insurance to protect yourself financially.
