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History of convictions or driving violations causing surcharges. In some cases you may decide that it makes sense to temporarily reduce your car insurance coverage while your vehicle is in storage. But the person driving your car has to be found legally at fault before your insurance will pay.
Your car insurance policy typically covers a friend who drives your vehicle occasionally but its a different story when you loan your car out for a long period.
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An insurance company is not obligated to pay off your loan only to pay you what your car was worth -- even if that leaves you thousands of dollars in debt. The search is free with a small fee for additional details like the insurance. The vehicle is now housed someplace other than your residence and someone else is acting as the primary driver of the car. The drivers insurance may cover some personal injury or medical expenses.
