How to Find Auto Insurance for Car in Impound
Getting your car impounded can be a big hassle that is costly financially as well as time. And you will be required to have proof of auto insurance before you can get your car back in your possession and on the road driving again. There are many reasons why your car could be impounded but there is only one way to get it out and that is to pay the impound fee and have your required documentation ready. This documentation usually includes your driver's license number, VIN, and proof of insurance. If you do not have proof of insurance, you will most likely not be able to get your car out of impound.
Click one of the below links for a cheap car insurance quote that will help you get your car out of impound:
Can my car get impounded for driving without insurance?
Yes, it is possible but it depends on which state you live in. In most cases when you get pulled over and caught driving without insurance you will be given a citation. But it is up to the officer that pulled you over whether or not your car is impounded. Odds are though if you are a first-time offender, you will probably get some mercy but if you are a repeat offender, you could very easily have your car impounded.
Additional resources for the importance of driving with proper insurance coverage:
Your state will only require you to carry state minimum liability limits but if your car is financed or leased then the lienholder will require you to carry comprehensive and collision insurance in most all situations. If your car is impounded and you have a lien on your car the impound lot can require you to show proof of full coverage insurance. Full coverage insurance can cost about twice as much as liability only car insurance.
Additional resources about purchasing full coverage insurance to get your car out of impound:
How to get auto insurance for a car that is impounded
Step 1 is to show proof of state minimum liability insurance coverage from the state you live in. Which means you will need to purchase an auto insurance policy and hopefully at an affordable price. Before you can purchase a policy, you will need to get an auto insurance quote. This can be time consuming and costly if you are not prepared. It is important to find the cheapest auto insurance rates with the proper coverage you need. Here are a few pieces of information you will need to start an auto insurance quote:
- Copy of your driver's license
- Accurate driving record information
- Vehicle information number
- Other basic personal information
Additional resources to help you find cheap auto insurance quotes to help get your car out of impound:
Auto insurance after your car is out of impound
What does auto insurance look like after your car is out of impound? Well, once your car is out of impound nothing really changes as far as car insurance is concerned. But once you get your car back it is a good time to get the proper auto insurance coverage so that you do not have to mess with it being impounded again in the future. Carrying the proper amount of auto insurance coverage is important especially if you are involved in an accident.
Additional resources for auto insurance coverage options:
Auto insurance after your car is repossessed
Once your vehicle is repossessed by a bank or finance company it is wise to go ahead and cancel your auto insurance policy because it is no longer in your possession. Even though you buy a car and it's in your possession that if your car is financed it is not truly in your full ownership until its paid for. As long as you currently are paying on your car the financial institution still has an interest in your vehicle. So, paying for car insurance once its repossessed is a waste of your money.
Purchasing new car insurance after your car was repossessed should not be any more expensive than before other than the fact of having a lapse of coverage or if the company you are with rates on credit history.
FAQs regarding auto insurance for your car in impound
Does my auto insurance cover damage from my car being towed?
In most cases yes it would be covered but it would in most cases be covered by the towing company’s insurance policy and not yours. Yours would be the secondary policy that would pick up if they didn’t pay and you have full coverage on the policy. But if you had liability in that situation there would be no coverage.
Does getting your car impounded affect your insurance?
No, it should not affect your car insurance other than the fact that it causes a lapse in coverage which could increase your monthly premiums in that case.
Does a towed car need to be insured?
It depends on if you intend to drive your car again or not. If you do not probably no point of keeping insurance but if you are then it is a good idea to keep your insurance active on it.
Click here to read more about our FAQs