Denied Coverage? Our High Risk Car Insurance Can Help!
The definition of a high risk driver differs depending on the insurance company, but put simply, a high risk driver has a high chance of filing a claim. Many insurance companies will deny you service if they think that your policy is going to cost more than they charge. However, having insurance is a legal requirement, so don’t despair if you are denied. We can help get you insured and back on the road while you transition to a normal policy.
High risk insurance doesn’t have to be a difficult process. It’s going to be more expensive than the best auto insurance rates, but contact us and we’ll do our best to find the right coverage for you.
Confused about why you were denied by an insurance company? Let’s take a look at how high risk car insurance happens.
Reasons You Might be Classified as High Risk for Car Insurance
- DUI / DWI: In addition to costing you a large amount of money, coming with potential jail time and a license suspension, a DUI conviction follows you for an amount of time defined by the state.
A DUI stays on your record …
- In Alabama, five years
- In Arkansas, five years
- In Georgia, the rest of your life
- In Illinois, the rest of your life
- In Indiana, the rest of your life
- In Oklahoma, ten years
- In Tennessee, ten years
- In Texas, the rest of your life
- Until your record is clear, you are likely to face denials of service, and higher premiums from insurance providers, due to the seriousness of the offense. You are also likely to need an SR-22 to prove that you are meeting minimum insurance requirements.
- Other Serious Violations: Other road violations and driving related criminal charges can put you into the high risk category. Speeding, driving without a license, driving recklessly or causing a fatality can flag you as high risk for future insurance.
- Serious Accidents and Driving Record: Being involved in an accident that causes an injury or a lot of property damage, or having a large number of incidents on your driving record can cause you to become high risk.
- Lapse in Auto Insurance Coverage: Driving without insurance is not legal, anywhere in the US. Not only does it expose you to huge financial risk, but it can become very difficult to get insurance in the future.
- Other factors, such as exotic or collectible cars, poor credit history, being a new driver or a driver over 70 can cause a high risk classification. Teenagers can often avoid high risk coverage by getting insured under their parents’ plan, and senior drivers can mitigate their premiums with defensive driving courses.
How to Transition Away From High Risk Car Insurance
It may not be a quick and easy process, but it’s possible to demonstrate that you are making efforts to mitigate your risk. This could result in lower premiums.
- Keep a clean record! It really is the best way to go about it. In many states, points and convictions eventually leave your driving record. In the meantime, avoiding further incidents is the best way to ensure that you can transition to standard insurance rates. As a general rule, if you can keep a clean record for at least 3 consecutive years, we can start the conversation about lower rates.
- Take Defensive Driving Courses. They won’t remove violations from your record, but they can remove points accrued from minor tickets in order to clear up your driving record. Plus, demonstrating that you are attempting to improve your driving goes a long way!
- Buy a Safe Car. Getting a car with a good safety rating, and a low theft risk can reduce your risk, and therefore your rates.
We can help get you on track to normalizing your insurance premiums. Request a high risk car insurance quote.
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