I own a car that is only driven in the summertime and is stored in my garage for at least 9 months of the year. My insurance co. (USAA) insists I must carry Bodily Injury, Property Damage, Uninsured & Underinsured Mororists + Comprehensive. Why?

MIKE HARRIS | Oct 28, 2019 | Category: State government office in Phoenix, Arizona

Arizona Department of Insurance and Financial Institutions - All questions

Address: 100 N 15th Ave # 102, Phoenix, AZ 85007, USA

Sherry Jara | Jul 29, 2022

ask if you can "suspend coverages" during the months the vehicle is not being driven. You may want to carry Comprehensive only during that time - so if something happens to it while it is parked you will be covered i.e. a storm blows a tree limb on the car or hail damage... or if someone hits it or if it's stolen - the Comp would cover that. You can ask for a "total suspension of coverages" which means that you are not going to put the "comprehensive" on it - but if one of those things I mentioned above happens to vehicle you would not be covered. Just make sure to have your agent/insurance company "reactivate the coverages" before you drive it. You may have to reactivate it every 6 months and make a "one month payment" then "suspend" it again for the remaining 3 months.

Mercy Amaro | Oct 28, 2019

Hi Mike, To answer your question, it's not mandatory for a customer to insure a vehicle for more than just Liability insurance coverage. Uninsured and underinsured is covering Medical wich obviously you don't need if its stored. And comprehensive is coverage to cover your Auto when it's damaged by fire Theft vandalism Hail damage sand damage and so on. As long as there's no COLLISION OF Course

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