Owning a car comes with responsibilities, including proper registration and insurance coverage. But what happens if your vehicle is unregistered? Can you still get insurance, and will your provider cover any damages? Here’s everything you need to know.
Can You Insure an Unregistered Car?
In most cases, insurance companies require a vehicle to be registered before offering full coverage. However, there are exceptions where limited coverage might be available, depending on your insurer and the situation.
When Might Insurance Cover an Unregistered Vehicle?
1. Newly Purchased Vehicles
If you recently bought a car, insurers often provide a grace period during which you can register the vehicle. Many policies offer coverage for a set period, such as 30 days, allowing time for registration.
2. Storage or Non-Operational Vehicles
Some insurers offer comprehensive-only coverage for vehicles that are not currently registered but are stored in a garage. This covers theft, vandalism, fire, and other damages while the car is off the road.
3. State-Specific Rules
Some states allow you to get an insurance policy before registering your car, while others require proof of insurance to complete registration. Understanding local laws can help ensure compliance.
When Won’t Insurance Cover an Unregistered Car?
While some limited coverage options exist, insurance generally won’t apply in these situations:
- Driving an Unregistered Car: If your car is unregistered and you get into an accident, your claim will likely be denied.
- Liability Coverage: Most insurers won’t cover damages caused by an unregistered vehicle in a crash.
- Uninsured Motorist Claims: If you’re hit by another driver while driving an unregistered car, your claim could be complicated or denied.
How to Get Insurance for an Unregistered Car
If your car is unregistered but you need insurance, follow these steps:
- Contact an Insurance Provider – Some companies offer policies for unregistered vehicles under special conditions.
- Explain Your Situation – Whether it’s a new purchase, a car in storage, or a classic car, insurers may offer different coverage options.
- Register the Vehicle as Soon as Possible – The best way to ensure full coverage is to complete registration quickly.
Final Thoughts
Insurance for an unregistered car can be tricky, but coverage is possible in certain cases, such as for newly purchased or stored vehicles. To ensure full protection, register your car as soon as possible and choose a policy that meets your needs.
Get the Best Insurance for Your Vehicle Today
At Toby Hansen Agency, we specialize in finding the best coverage at the lowest price. With over 30 years in the industry and access to nearly 100 carriers, we’ll help you secure the best insurance for your needs. Fill out the free quote form below and get covered today! 🚗💨
