Do I need auto insurance when my car is broken down?

Sometimes, for one reason or another, you may find that you have a vehicle which is not being driven and which in fact will not be for an extended period of time. It seems like a waste to pay for all the expenses that go along with owning a car, like registration and insurance. 

However, there are a few reasons you may find it better to maintain coverage, and at least speak to your agent about the fact that the vehicle is currently not mobile.

Do you have a lien on the vehicle?

If you still owe money on your car in Boise, ID, you are required to carry insurance on it no matter what the circumstances. Basically, you are sharing the risk with the bank or entity which holds your lien, and there is doubtless a clause in your contract where you agreed to keep the vehicle protected.

Failure to maintain insurance will allow the lien holder to impose their own insurance on your vehicle or impose other sanctions. It will be more economical for you to take care of matters yourself. At Fuhriman Insurance Agency, we regularly help our clients with these kinds of problems.

What if something happens to your vehicle?

If there is a theft, a fire or another natural disaster, you could face a total loss on your vehicle. Continuous coverage will protect you. When you want to get back on the road, you can head to the license branch with your proof of insurance and expired registration to get started again.

If you are in Boise, ID and have any questions or want to explore your options, please feel free to call the Fuhriman Insurance Agency today. We can give you a free estimate and discuss a policy that fits your special circumstances.