DUI In Florida

Reader’s Question:

I’ve been doing a lot of traveling for my job here in Florida and I have seldom been using my car. Would it still be advisable to pay for car insurance even when I’m not using it?

Alexandra

Miami, FL

Even though you may not be using your car there in Florida that much because of your business trips it would still be highly advisable to maintain auto insurance cover for your vehicle. You may not know it but your auto insurance policy is a collection of several type of insurance coverage that is designed to provide as much protection for you and your vehicle as possible from as many adversities or events that could cause you to lose your vehicle or incur financial liabilities in damages.

In your case, you would at least want to keep Comprehensive and to some extent, Collision Coverage, for your vehicle. These type coverage will provide protection in the event your vehicle is damaged or totaled while you are away. It is not a remote possibility that, while you are traveling, someone breaks into the garage where your car is safely parked vandalizes or cannibalizes your vehicle for parts. There are a lot of possibilities like fire, natural disasters and theft that can cause you to lose your vehicle while you are away. Comprehensive Insurance will protect you from that. If your car is parked outside and is hit by another vehicle, maintaining collision coverage would still assure you that repairs, replacement or reimbursement for your vehicle is still possible.

I suggest you talk with your car insurance provider to see if they are flexible enough to allow you to streamline your policy for at least until the duration of your trip.

Tags: Adversities, Alexandra, Auto Insurance Policy, Business Trips, car insurance, Car Storage, Collision Coverage, Comprehensive Insurance, Damages, Duration, Extent, Financial Liabilities, Insurance, Insurance Cover, Insurance Coverage, Insurance Provider, Job, Natural Disasters, Possibilities, Vehicle Storage