For those of you that park your car during the winter, what coverage do you carry while it's parked?
I've had my car for 4 or 5 winters now. Every winter, I have dropped coverage down to Comp only. My insurance agent told me to do that since I won't be driving it. I never had a problem.
Just recently, that agent retired and my account got moved to another agent and different office. I called yesterday asking to drop my coverage on the car to Comp only. They said they would check on it and call me back. They called today and said that if I don't at least carry Liability, and I get a letter from the BMV, I'm screwed. Is that true?
What is the minimum coverage I can carry while the car is parked in my garage for the winter, without getting busted by the BMV?