Of course! Liability is the biggest part of insurance, and I guess in New York, they don't let you suspend that part.steveny said:The way it works for you is the way I wish it worked here. If I were to cancel the collision, fine my loss if the car is trashed. If I cancel the comprehensive, again my loss. In the eyes of the state if I cancel the liability without turning in the plates then I could drive around using the plates but have no insurance. In New York I can not even cancel my liability insurance without a document from the DMV that I have turned in the plates. So the most I could cancel would be the collision. I want to keep my personalized plates therefore I have to leave the liability in place. I would not feel safe canceling the comprehensive either. To just cancel the collision would only save me $167.20 for six months..
Isn't it odd the way different state laws work? Even though we all live in the same country, you have different rules from state to state for stuff like this. And like trading in cars, where you only pay sales tax on the cash difference you are paying - in most states, but not California. Which is why we have to sometimes understand that certain laws may apply in most places, but not everywhere.
Thanks for the insight...