Do I Need Insurance On A Broken Down Car?

Understanding Car Insurance Basics

Having car insurance is essential for any car owner. It helps protect you financially in case of an accident or other unexpected events. But when your car breaks down, you may wonder if you need to have insurance on it. After all, it’s not in use, so why bother? But the truth is, you still need to have car insurance coverage on a broken car. Here’s why.

The Legal Requirement

The first reason why you need to have car insurance coverage on a broken down car is because it’s the law. Most states require drivers to have auto insurance coverage on any car they own. Even if the car isn’t being used, you’re still legally required to have coverage on it. Failing to do so can result in serious penalties, including fines, license suspension, and even jail time. So if you want to stay on the right side of the law, make sure you keep your car insured.

Protection Against Unforeseen Circumstances

Another reason why you need to keep your broken down car insured is because you never know what could happen. Just because the car isn’t being used doesn’t mean it’s completely safe from damage. For instance, a storm could cause a tree branch to fall on the car, or a vandal could break the windows. If you have insurance coverage on your car, you can get the necessary repairs done without having to foot the bill yourself. That’s why it’s important to keep your car insured, even if it’s not being used.

Insuring a Broken Down Car

You may be wondering what type of car insurance coverage you need for a broken down car. Generally speaking, you should get the same type of coverage you have on other cars. That includes liability, collision, and comprehensive coverage. Depending on your state’s laws, you may also need to get uninsured motorist coverage. Just make sure you get the necessary coverage to protect your car and yourself from any potential risks.

Saving Money on Car Insurance

If you’re worried about the cost of insuring a broken down car, there are some things you can do to save money. For instance, you can raise your deductible or take advantage of discounts. You may also be able to get a lower rate if you combine your car insurance with other policies. Just make sure you’re getting the coverage you need at a price you can afford.

Conclusion

As you can see, having car insurance coverage on a broken down car is essential. Not only is it the law, but it also helps protect you from unexpected events. So the next time your car breaks down, make sure you get the necessary insurance coverage. That way, you can rest assured knowing that you and your car are protected.