W.B. Adams Company

14737 SW Millikan Way
Beaverton, OR 97003

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My Car is in Storage. Do I Still Need Auto Insurance?

We get many types of questions at W.B. Adams Company in Beaverton, OR. One common question is how putting a car in storage affects your auto insurance needs. Can you drop insurance when your car is in storage? Is it a good idea to cancel your policy? We are here to give you the answers.

Am I Legally Required to Keep Insurance on My Vehicle In Storage?

According to Oregon law, if your vehicle will not be driven on public roads, you are not required to carry liability insurance coverage. However, if you have a lien on the vehicle, your lender may require full coverage insurance on the vehicle even if it is not on the road. Even though you aren’t legally required to keep insurance coverage for a vehicle in storage unless it’s in your lien contract, you should consider doing so. 

Should I Carry Insurance on a Vehicle in Storage? 

There are a few reasons to keep some insurance policy on your vehicle while it’s in storage. The first is that the vehicle can still be damaged in storage. Vandalism and natural disasters are risks, whether your vehicle is being driven or not. Comprehensive coverage is specifically for damage that occurs when you aren’t on the road. 

Second, it can impact your relationship with your insurer. If you drop coverage completely, you may be considered high risk, particularly if the insurance company doesn’t know why you have dropped coverage. You must go through obtaining insurance again before you can drive the vehicle, and your premiums might be higher. 

W.B. Adams Company Auto Insurance

At W.B. Adams Company in Beaverton, OR, we know that vehicle damage isn’t limited to driving. Our agents take a customer-centered approach. We will discuss your specific needs and help you choose the right coverage for you at this time. 

Oregon Road Laws You Might Not Know

Of course, you know the general rules of the road. You know to go on green and stop on red, you know to pull over when you hear sirens. But there are some other laws that Oregon drivers might not know:

  • If you’re pulled over under suspicion of DUI, you can request a breathalyzer or other test to prove your innocence. And, if you’re not happy with the results, you can request a follow-up test by a qualified professional to double-check the first.
  • It is illegal to leave your car running if you are not in it. It doesn’t matter if you’re hopping out for five seconds or an hour. If your car’s running, you need to be behind the wheel.
  • You are required to take the keys out of your car after parking it.
  • There are a few exceptions to seatbelt laws: If you’re delivering newspapers,  are performing sanitation work, are in a motorhome, are in the beltless seat of a pickup, or if you have a note from your doctor saying that you can’t wear a seatbelt.
  • It is a first-degree misdemeanor to present a police officer with canceled insurance. This can be an honest mistake, but it could also be seen as obstruction and an attempt at fraud.

Generally speaking, if you drive safe and follow the signs, you’re probably driving within the law in Oregon, but it’s always good to know the laws and to know your rights.

If you’re still insurance-shopping, give W.B. Adams Company a call or visit our office in Beaverton, OR. W.B. Adams Company can get you covered with the protection you need.