Do I still need to pay my monthly premium if my car was totaled?

I was in an accident that was NOT my fault. This made my car unable to be driven. I was hit by another car that didn’t stop at their stop sign. My car is now waiting to be declared totaled but my insurance payment is due. Do I still have to pay it?

Jun 16, 2020 Richmond, KY

Ross Martin

Jun 16, 2020

Sorry to hear about the accident. You should have no need to insure the vehicle further. Before canceling, however, I would call the state motor vehicle department and deactivate the tags and plate if needed. That way if they see the vehicle is uninsured you don't get accidentally tagged with a suspension on the totaled car

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