The state where you live may permit you to suspend your auto insurance without having a penalty later. You may need to prove that you meet certain criteria or that you are not driving the car.

Specific, verifiable situations may allow you to temporarily suspend your auto coverage. Some instances include the following:

Suspend Your Coverage and Payments

·       Becoming injured or disabled – If an injury or medical condition prevents you from driving, you may be able to legally suspend your insurance without repercussions. Depending on your state, you may need to furnish valid medical records or documents from your doctor to your state’s motor vehicle department.

·       A financial hardship – Under extreme financial difficulty, select areas may allow drivers to suspend their auto insurance. However, this is very rare, and you will need to prove the validity of the hardship.

·       Military service – You may be able to legally suspend your auto insurance if you are an active-duty military service person, especially in cases of deployment overseas. You may need to submit paperwork to prove you are active military personnel and that your vehicle is parked during the time you are away.

If you are unable to drive your vehicle for an extended period, you may be able to get a type of coverage for parked cars. Your insurance provider can discuss if your long vacation or period away qualifies you for the special insurance.

Are you unsure if your non-driving situation is temporary? Canceling your coverage may be the best option depending on the laws in your state.

COVID-19 affected workers, students, and drivers by forcing people to work from home rather than commute to an office or to school. Because of regulations and restrictions during the pandemic, fewer people were on the road.