side car mirror with question mark drawn into condensation

Do You Still Need Auto Insurance in These Circumstances?

If you are driving a car, then you are going to need to purchase auto insurance in Maitland, FL. You might be wondering if that is still the case if you don’t own a car or if you are on deployment from the military. To make things easier for you, we have broken down many of the most common circumstances that might make you wonder whether you need an insurance policy or not.

I Don’t Own a Car – Even if you don’t own a car, if you plan on driving any vehicle at any point, you need to have auto insurance. Even car passengers, including those riding in taxis or other drive shares, need coverage for medical in case of an accident.

I Lease My Car – Even if you don’t own your vehicle, you still need to have insurance. In most situations, it is required to have insurance on the vehicle while it is in your possession.

I Cannot Afford Car Insurance – It is against the law to drive a car without insurance. There are a number of different ways to find more affordable car insurance, including working with an insurance agent. Driving without insurance could end up costing you a lot more in the end.

I Am Sick & Cannot Drive – If you plan on driving again someday, you should retain coverage on your vehicle. This is especially true if you have other people drive it while you are unable to do so yourself.

My Car Broke Down – Even if your car isn’t currently drivable, you are going to want to keep insurance on it. It is always cheaper to keep your vehicle correctly insured now than having to pay for a high-risk policy due to a lapse in coverage.

I Sold My Car & Have Not Found a Replacement – Even if you do not currently have a car, it is always smarter to just lower your coverage down to the bare minimum and keep up with your payments than letting a policy lapse. Not having any insurance can mean higher costs when you need to get it again.

I Am Deployed In the Military – This is the one scenario where it is perfectly acceptable to stop having car insurance. It is not a requirement for active-duty military personnel to have car insurance while they are deployed overseas. Any family members still at home, however, do need to remain insured when they are driving the family car.