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Is Car Insurance for Parked Cars in Winter Necessary?

Jan 11, 2023

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Is Car Insurance for Parked Cars in Winter Necessary Is Car Insurance for Parked Cars in Winter Necessary

As winter weather can cause several vehicle problems, you may drive less or may not drive at all. Eventually, you will keep your car parked or stored in your garage. Besides, you may also think about waiving your auto insurance coverage, as your car is not in use now. Nevertheless, do you think it is good to give up car insurance for your parked car? Let’s discuss this.

Why Is Insuring Your Stored Car Important?

Though you keep your car in storage, waiving the insurance is not advisable because:

  • You may need to drive sometimes, and your car needs to be insured to drive legally.
  • Liability coverage may be required to park your car on the street.
  • The car insurance cost may increase the next time you insure your vehicle.

Penalties for Driving Without Insurance

Every state has its own requirements for auto insurance, and failing to meet them may result in fines, license suspension, or imprisonment. Remember, liability insurance is mandatory for your car, even if it is parked on the street. The reason is that if, unfortunately, your vehicle rolls and hits another person or their property, it can lead to an expensive lawsuit while keeping you liable for the incident and resulting losses. In such circumstances, liability insurance will cover the losses. Otherwise, you have to cover them out of pocket, and also, you have to pay penalties for not insuring your car.

Moreover, failing to carry auto insurance when it is required by law will be considered a black mark in your insurance history. All insurance agencies will have access to this information, so you may need to pay more even if you switch providers. Your insurance provider may also penalize you for canceling a policy mid-term.

The Must-Have Car Insurance Coverage in Winter

Comprehensive coverage is crucial to keep your parked car protected because your car may be damaged even if it is kept in storage. For example, heavy wind can blow dirt and debris on your car, leaving your windshield cracked or broken. Besides, your vehicle can be stolen or vandalized by an intruder or can be damaged by fire or another vehicle in a hit-and-run incident.

However, comprehensive coverage will cover all these incidents and resulting losses, as it is designed to protect your vehicle from damage or loss resulting from:

  • An accident with another driver or an object like a lamp post or sign board.
  • Uncontrollable events like a falling tree branch.

When Can I Cancel My Auto Insurance Coverage?

If you use your car only in summer, you can cancel your auto insurance during winter and store your car on private property instead on the street. Nevertheless, ensure to keep your insurance provider informed that your car would be stored during winter. Otherwise, you may have to pay a higher rate when you insure it again in the summer.

Now, you know car insurance is necessary to protect your car on and off the road, despite the seasons. So, have the best possible coverage to protect your car at all times.

Insure Your Car with Falsken Insurance

No matter how much you drive in the winter, we will provide all-inclusive auto insurance coverage to protect your car this winter and beyond. Contact us today at Falsken & Associates Insurance Agency to get started.

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