Reasons you might NOT need insurance:
* It's not roadworthy: If the car cannot be driven legally due to a major mechanical failure, it's unlikely to be required to be insured.
* It's stored off-road: If the car is stored in a garage or on private property and not being driven on public roads, it typically doesn't need insurance.
* You're selling it for parts: If the car is being sold for parts only, you might not need insurance, but it depends on the laws of your specific location.
Reasons you might NEED insurance:
* Legal requirements: Some states require insurance even for non-operational vehicles, especially if they are registered with the state.
* Liability: Even if your car is not running, you could still be liable for accidents if someone is injured on or around it.
* Protection for parts: If you're selling the car for parts, insurance could cover the cost of theft or damage to the parts.
Recommendations:
* Check your state laws: The regulations regarding non-running vehicles vary greatly by state. Consult your state's DMV or insurance department for specific information.
* Consider your circumstances: Evaluate your risk factors. If there's a chance of someone getting injured on or around your car, consider getting liability insurance.
* Discuss options with your insurance agent: They can help you understand your specific situation and recommend the best course of action.
In summary, it's important to be aware of the laws and regulations in your area regarding non-running vehicles. While you may not always need insurance, there are situations where it's advisable to have coverage for protection.
