Vehicle Registration FAQs
As of July 1, 2024
Q: I have been laid off of work. I am not driving my car back and forth to work
right now. May I cancel my insurance?
A: Before cancelling your auto insurance, you will have to return your tags to the Motor
Vehicle Administration (MVA). Because their offices are closed, you can either return
the tags by mail or drop them off at one of the MVA locations with a drop off box.
Document the date and time that you return the tags. After that has been done, you
may contact your insurance company and ask that they cancel your policy effective the
date the tags were returned.
Q: May I cancel my insurance without returning my tags? I do not plan on driving.
A: No. As long as you possess tags, you must carry liability insurance in the amount of
the required state minimums. If you cancel your insurance while still in possession of
your tags, you may be fined by the MVA $200 for the first 30 days, $7 a day (per
vehicle) thereafter until you either reinstate your insurance or turn in the tags.
Q: If I still owe money on my car, must I maintain insurance, even if I turn in my
tags?
A: More than likely, yes. Most loans require you maintain comprehensive and collision
coverage on the vehicle. If you fail to do so, the insurance company may notify the
lienholder who in turn will obtain a forced place policy. These policies are usually very
expensive and the cost will be added to your monthly car loan payment. Ask your
finance company if they will still require you to carry this coverage. Some insurers will
allow you to drop the liability coverage required by the MVA but still continue your
comprehensive and collision coverage. Speak with your insurance company or agent to
learn if this is possible.