Ready To Stop Your Auto Insurance Coverage?
Pennsylvania drivers frequently inquire about when it is okay to stop their auto insurance coverage. While there may be a number of reasons you can cancel your auto insurance, it’s important to keep in mind that having coverage on your vehicle is necessary for your safety and financial stability. To be sure you’re choosing wisely, always speak with your insurance agent or, in Lebanon, Pennsylvania, the professionals at Strickler Insurance before making any selections.
Why Continuous Insurance Coverage Is Important
Before we discuss the scenarios it may make sense to stop your car insurance, it’s crucial to stress that Pennsylvania law requires drivers to have auto insurance. To protect against future accidents and guarantee the financial security and safety of drivers, PA state legislation requires that all registered cars have a minimum amount of liability coverage.
When You Can Stop Insuring Your Car
Sometimes there are specific situations where you can temporarily stop insuring your vehicle without repercussions. Here are the scenarios to consider:
1. Temporary Or Permanent Non Use Vehicles
You can temporarily suspend your insurance if you intend to store your car and not use it for a while. In Pennsylvania, you can file an affidavit to the Department of Transportation to avoid having to carry insurance during this time if you are not operating your car on public roads. It’s crucial to keep in mind that during this period, the car cannot be driven at all.
2. Stop Insuring Seasonal Vehicles
Are there any vehicles you possess, such as antique cars, motorcycles, or recreational vehicles, that you exclusively use during certain seasons? Seasonal car insurance and registration are permitted in Pennsylvania. You can modify your coverage if your car won’t be driving for an extended length of time. To guard against potential harm, bear in mind that comprehensive coverage may still be a good idea during the off-season. Many insurance companies do not like or allow stopping insurance for vehicles during the off-season.
3. Uninsured Vehicles For Private Use
You could occasionally own an uninsured car that isn’t being driven on roads. Despite the fact that Pennsylvania law mandates insurance for registered automobiles if your car isn’t utilized on public highways, you can claim it to be uninsured. By doing this, you can avoid having to pay insurance rates when the car is not being used.
Specific scenarios are business or farm vehicles that only travel on private property. We strongly advise against uninsured these vehicles because of the high likelihood of an accident occurring on your property. These accidents still can cause injuries and would benefit from auto insurance coverage.
4. When Selling Your Vehicle
You might question if you can instantly cancel your insurance when you sell your car. Even while you may normally cancel the insurance once the car is sold, it’s a good idea to wait until the new owner has insurance before doing so.
Something for used car dealerships to consider is fleet insurance for your fleet of used vehicles. This is a wise decision to protect your investment and your business. Many car dealerships recognize the importance and value of insuring their fleet of vehicles to protect themselves and allow test drives.
5. Salvage or Junk Vehicles
You could think about cancelling insurance if your car is seriously damaged and is classified as salvage or junk. However, it is advisable to maintain some sort of protection up until the title of the car is formally changed to salvage.
Contact Your PA Insurance Agent
Although these events may present circumstances where you might momentarily suspend coverage, it’s important to keep in mind that insurance rules and regulations can be intricate. In Pennsylvania, where regulations may have particular intricacies that relate to your circumstance, it is always a good idea to speak with your insurance agent.
At Strickler Insurance, we are ready to assist you as you sort through the complexities of Pennsylvania auto insurance. Our knowledgeable staff is here to help you if you’re thinking about changing your coverage, stopping due to non-use, or have any other inquiries. Contact us today to ensure you’re making the right decisions about your auto insurance.
