Q: Do I have to keep car insurance on a car that was totaled?
Apr 21, 2021

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

“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. “

Not quite the question that you were looking for?
Our insurance agents are ready to help you, for free.
Ask your question
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
Jerry.ai is the easiest way to compare and buy car insurance
arrow
No long forms
arrow
No spam or unwanted phone calls
arrow
Quotes from top insurance companies
Find savings (100% Free)
4.7/5 Rating on App Store
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!