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If the car is not driveable (for example, up on blocks), you can generally suspend the insurance until it is roadworthy. However, state law may differ on this point, so you need to contact the division of motor vehicles in your state to confirm. You will want to ask about "financial responsibility" requirements on this issue.

If the car is financed, the lender may require that physical damage insurance be maintained. That is a contractual matter and you would be required to maintain the insurance even if the car was not operable.

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Q: Do you have to have car insurance on a broken car?
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Typically, no. However, your car insurance may.


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Does van insurance differ from car insurance?

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It depends on whether or not you carry comprehensive coverage on your car. Comp is an optional coverage if you own the car outright and may be a mandatory coverage if you have a loan on it. But the comp coverage would only pay for repair to the car. If you have items in the car that were stolen, however, they would actually be covered by your homeowner's or renter's insurance and NOT your auto insurance.


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