Leaving the United States for Three Months: Should You Keep Your Auto Insurance Active?

If you're planning to be away from the United States for three months and won't be driving during that time, you might wonder whether you should keep your auto insurance active or make it inactive. While there's no one-size-fits-all answer, it's important to consider the potential risks and benefits of each option. Here's what you need to know.

Why Should You Keep Your Auto Insurance Active?

Leaving your auto insurance active is a wise choice for several reasons. In the United States, a car's liability insurance is generally required by law, and making your policy inactive could result in fines and penalties. Even if you're not driving, unexpected events can still occur, such as your car being:

Crashed into Vandalized Broken into Stolen

Without active insurance, making a claim could be more difficult. Your insurers may need specific details about the incident, which you may not have if you're away from the country. Additionally, your insurance policy may still be in effect if your vehicle is left unattended for an extended period. It's always best to verify with your insurer to ensure your coverage remains valid.

Can You Make Your Policy Inactive?

In some cases, you may be able to make your vehicle insurance inactive. For instance, if your insurance company allows suspending policies for up to six months, you can explore this option. Always check with your insurance provider for the specifics of suspending your policy. Suspension can be a good choice if you won't be driving your vehicle during your absence, as it can save you money on unnecessary expenses.

What to Do Before and During Your Trip

Before you leave, it's essential to discuss your situation with your insurance company. They can help you determine the best course of action based on your personal circumstances. If your car will remain parked, you may need minimal coverage to protect against theft, flooding, or other incidents. Suing the tree owner is a possibility if a tree falls on your car, but it's much simpler to go through your insurance company to handle the claim.

Even if you don't plan to drive during your trip, consult with your insurance agent to find ways to reduce the cost of your insurance. This could include:

Reducing coverage limits Adding a non-driving endorsement Increasing deductibles Getting an uninhabited property discount if the vehicle will be parked on your property

In conclusion, whether you keep your auto insurance active or suspend it depends on your specific situation, your insurer, state laws, and financial considerations. It's always a good idea to communicate with your insurer to ensure your policies remain in place and to explore ways to minimize your insurance costs.

Final Thoughts

For many travelers, having active auto insurance is the best choice, especially if there's a possibility of unexpected events. However, if you're sure you won't be driving, discussing options with your insurance provider can help you manage your costs effectively. Make sure to verify your insurance coverage and explore possible discounts to ensure you have the right level of protection during your trip.