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You need to check your state law. In Georgia, any vehicle with an active tage must be insured. To cure this, if you have a vehicle that is no longer operable you take the tag off and surrender it back to your tag office. However, if you have the tag for one day that you don't have insurance you will be fined. I always tell my clients to surrender the tag first then take the vehicle off the insurance. I'm assuming you are talking about a vehicle that is totalled or junked and not one that just is in a shop getting worked on. In these cases keep your insurance and tag active.

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Q: Do you need to have insurance on a car that is not driveable?
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Do you have to have car insurance on a broken car?

If the car is not driveable (for example, up on blocks), you can generally suspend the insurance until it is roadworthy. However, state law may differ on this point, so you need to contact the division of motor vehicles in your state to confirm. You will want to ask about "financial responsibility" requirements on this issue. If the car is financed, the lender may require that physical damage insurance be maintained. That is a contractual matter and you would be required to maintain the insurance even if the car was not operable.


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