Suppose that during the 5% of the time you’re still driving your car you get in an accident...or it catches on fire sitting in your garage/driveway, or gets stolen/vandalized/damaged by wind...are you prepared to eat the loss?
Then I would expect those things to be covered as the payments are adjusted. You need to understand, the big claims/liability and the overall majority of claims are due to collisions on the highways. Probably 95 percent of your payment/coverage is for on the road liability/damage/injury. Not vandalism or wind while your car is parked on your property.