Do I Still Need Full Coverage Car Insurance if I'm Not Driving?

With more and more people staying home for an undetermined amount of time due to the coronavirus, or COVID-19, outbreak, you may be wondering if you still need to pay the price for full coverage auto insurance. If you’re financing a vehicle, the answer is yes, but there may be help if you’re struggling to keep up with payments because of an unexpected job loss.

Car Insurance Coverage and Coronavirus

Do I Still Need Full Coverage Car Insurance if I’m Not Driving?Even if you’re not driving a lot due to the recent quarantine efforts as a result of the coronavirus, you’re not likely to see a change in your auto insurance requirements.

Policyholders that are financing still need to keep their full coverage insurance, or face the consequences. In some cases, this could be as mild as a warning or it could lead to a lender forcing you to take insurance coverage of their choosing, and rolling into your monthly payment. In some cases, you could face something more severe, such as your finance contract being void.

Where you may see an impact is the way your insurance company handles its business.

For many people, car insurance is already something that’s easy to take care of online – where you can see your policies, pay your bills, and even print out insurance certificates. But this isn’t the case for all insurance companies, especially smaller independent firms.

If you’re having trouble making your auto insurance payment, many companies seem willing to help where it’s needed. Companies such as Allstate, State Farm, and Progressive have issued public notices about what to do at this time.

Progressive has announced that they want to help if you’re having financial difficulties due to the coronavirus, and to chat with them online or give them a call if you have questions about your policy or your payments. Farmers Insurance says roadside assistance is up and running for now, and their team is ready to assist you.

In this trying time, insurance companies seem to be coming together to help their customers in any way that they can. This won’t be the case in every situation, so if you’re having financial issues, just reach out to your insurance provider online or over the phone.

Auto Loans and Insurance Coverage

If you’re financing a car, it’s mandatory that you carry full coverage insurance. There’s no hard-and-fast rule about what this coverage means, since auto insurance requirements vary by state. However, the general rule of thumb is that full coverage insurance is some combination of liability, comprehensive, collision, and, in some states, uninsured motorist coverage.

Wondering what exactly this “full coverage” combination insures you against? Take a look:

  • Liability insurance – Ever heard anyone say they have basic insurance, or PLPD? This is liability coverage. It provides coverage for medical expenses if someone is injured or property damage caused by an accident when you’re at fault.
  • Comprehensive – This type of coverage insures your vehicle if damage happens from something other than a car accident with another vehicle(s), such as hail, falling tree limbs, and hitting an animal.
  • Collision – Collision insurance helps with repair costs when damage is done to your vehicle in an accident. Collision damage is typically covered whether you’re at fault or not.
  • Uninsured/underinsured motorist – This coverage isn’t available everywhere, but it helps cover repairs if you’re in a collision with a person that doesn’t have any, or enough, coverage to pay for the damages.

Need a Car to Insure?

If you don’t have a vehicle in this crisis, but need to get one, we want to help. Here at The Car Connection, we can help with many parts of your car shopping and buying needs. You can research vehicles, estimate the kind of payment you might qualify for, and use our resource center to find auto insurance coverage in your area.

We can help ease the need to drive from dealership to dealership to find a special finance dealer that has lenders willing to work with all kinds of credit situations. We work with a network of special finance dealerships all across the country that have the subprime lenders that can help get you into the car you need. To get connected to a local dealer, simply stay home and fill out our fast and free auto loan request form, and we’ll do the searching for you!

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