Do I have to keep car insurance on a car that was totaled?

My car was totaled and my insurance company recommended that I keep my insurance until I find a new car. My life has changed significantly and I now drive a car on my dad's insurance policy. I'm still paying for my own insurance policy a year later. Can I cancel this policy or am I required to keep it?

Answer provided by
Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If you no longer own your vehicle, you are not required to maintain your car insurance.
Your insurance company most likely wanted to prevent a lapse in coverage and assumed you’d be getting a new vehicle to insure. Had you canceled your insurance and then gotten a new vehicle two months later, you would have had a lapse in coverage that increased your rate.
Since you aren’t planning on getting a new vehicle in the near future and are covered under someone else’s policy, you should cancel your insurance.
Additionally, you may be able to get some money back. Since the vehicle was marked a total loss and you no longer own it, you may be refunded a portion of the premiums you paid while maintaining your insurance. “

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