Ask an Agent
Have a question? We're here to help.
Ask an agent for free

If my vehicle was totaled in an accident, do I still need to pay my insurance bill?

I was involved in an accident where I was considered at-fault. My insurance bill is due next week, but I don't see the point in paying it since I don't have a car. Should I pay it or cancel it?

May 12, 2017 Belfair, WA

Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Thanks for reaching out to the Zebra!

The decision to maintain your auto insurance coverage depends on whether or not you plan to buy a new vehicle shortly. If you cancel your policy and buy another vehicle within the next month or two, the insurance rates for that vehicle will be much higher than if you maintained coverage. It's understandable to want to save money while you're between vehicles, but paying for a month or two now may be worth it compared to potentially higher rates if you have a lapse in coverage.

Most insurance companies offer discounts for being continuously insured and you will lose that discount if you cancel your policy and need another in a short time frame. If you plan to be without a vehicle for 6 months or longer, it might make sense to cancel your policy. Remember that if you choose to cancel your policy, you won't be paying insurance premiums but will also be faced with higher rates when you need to be insured again.

If you're looking to save money on your car insurance, it's good to be aware of all the other rating factors insurance companies analyze. You can try to improve certain things, like credit score and safe driving, to get better rates when you are ready for another vehicle. You can also call our agency to get a personalized quote for you at 888-444-8949 to see if we have any carrier options available to you.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation. If the car was fixed and deemed safe by your car insurance company, I'm not exactly sure how Carfax is finding it to be considered otherwise. My advice would be to contact your insurance company.If the car…
Oct 16, 2019 Bangor, ME

What happens if my quote for repairs is higher than value of car?

There are several things to think about here. One, it sounds like your vehicle is totaled. The definition of a totaled vehicle varies by state. California is what is called a total loss formula state. This means a vehicle is determined to be a total loss if the cost of repairs (your $7,000) plus th…
Aug 8, 2018 Vallejo, CA

Will my insurance have to pay more than the car is worth?

This can depend. In California, a car is deemed totaled if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle. Meaning, if your insurance company agrees with the Kelley Blue Book value, it is likely your vehicle will be totaled. If yo…
Sep 23, 2018 San Clemente, CA

A vehicle that was being towed was totaled

I'm sorry to hear your car was totaled. This is what I would recommend.File a police report. Although I do not have all the details, it sounds like this was a hit-and-run situation. A police report will be important for step 3.Check your policy to see what coverage your mother has.If you have …
Aug 27, 2018 Gardena, CA