Can I Not Pay for Insurance If the Car Is Not Driven?
2 Answers
You can choose not to pay for insurance if the car is not driven. Specific rules: If a car is temporarily not in use, you can choose not to purchase compulsory traffic insurance, but it absolutely cannot be driven on the road. If the car is parked for an extended period, such as one or two years without being driven, you also don't need to buy insurance. However, when you decide to use the car again and purchase insurance, you will not receive any discounts and will need to pay the base rate. If the car is not in use, you can apply for a suspension of registration at the vehicle management department, which will also defer the annual inspection accordingly. Commercial vehicle insurance: Commercial insurance, also known as vehicle commercial insurance, is essentially a form of protection for private cars. It typically includes third-party liability insurance, which is not mandated by the state. This insurance covers the policyholder and authorized drivers in the event of an accident causing bodily injury or direct property damage to a third party. The insurance company is responsible for compensating the economic liability that the policyholder is legally obligated to bear. This falls under the category of commercial insurance, which also includes theft insurance, passenger liability insurance, scratch damage insurance, vehicle loss insurance, glass breakage insurance, spontaneous combustion loss insurance, and no-deductible insurance, among others.
I know many people wonder if they can save on insurance by not driving their car, but the truth is it depends on the situation. In most places, the law requires continuous insurance coverage once a vehicle is registered, otherwise you may face fines or even have your car towed. For example, my neighbor left an old car parked in the garage without insurance, thinking it was fine, but ended up being fined several hundred dollars after someone reported it. Additionally, if you live in an area prone to earthquakes or heavy rain, a parked car could still suffer accidental damage, and insurance would help cover those losses. From what I understand, it’s best to consult your local transportation department or insurance provider about options like a lay-up policy, which provides minimal coverage at a low cost while avoiding legal issues and potential losses.
