PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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. “
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
