* Liability Coverage: Even if your car isn't moving, it could still cause damage or injury. For example, if a tree falls on it and the debris damages a neighbor's property, you could be held liable.
* Comprehensive and Collision Coverage: These coverages protect you against damage to your car from events like fire, theft, vandalism, or hail. While not moving, your car is still susceptible to these risks.
* State Laws: Most states require car insurance, regardless of whether your car is driven or parked. Failure to comply can lead to hefty fines and even license suspension.
Exceptions:
* Some states may have exemptions for cars that are not registered or are "junked" or "salvaged." However, the requirements vary widely, so it's essential to check with your state's Department of Motor Vehicles.
* Some insurance companies may offer reduced coverage for vehicles that are not driven regularly. However, this is not always the case, and you should discuss your specific situation with your insurance agent.
In conclusion:
While it's true that your car is less likely to be involved in an accident if it's not driven, it's still important to have insurance. Even if your car is parked in your yard, you could still be liable for damages or injuries caused by it, and failing to have insurance could result in legal penalties.
