Will insurance cover the cost of fixing a car that has been sitting for months with no insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 19, 2012

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Insurance Question from Buckhorn, NC

Asked on 05/19/2012

Will insurance cover the cost of fixing a car that has been sitting for months with no insurance. My girlfriend backed into her sisters car that has been sitting at her fathers house for several months and has no insurance and only has a bill of sale. She doesn't have a title for the car either

Answer given on June 03, 2012

The fact that a car is not being used and did not have insurance does not mean that there would be no claim for damages caused by another driver. The auto insurance policy will pay for property damage to another person’s car if their insured caused the damages.However, the fact that the car has been sitting for several months, may affect the determined value of the car. The damages could be considered a total loss and the amount the insurance company will be could be determined by the condition of the car and if it was intended to be repaired and put back on the road.If the sister is an insured on the same auto policy as the driver, there could be an issue, but that needs to be determined by the adjuster. Go ahead and submit the claim, but if there is a payment, it could affect the rates of the driver. She may be better served simply repairing her sister’s car on her own.

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