Get assigned risk auto insurance and high risk car insurance quotes below.
Get help finding cheap high risk auto insurance companies that will offer you the best policy.
High risk help for personal or commercial drivers with a less than perfect driving record. You become an assigned risk driver with a DUI/DWI, moving violations, have multiple accidents or are a young driver without experience.
What is assigned auto insurance or high risk drivers car insurance?
That is a great question, so here is an overview.
Assigned Risk Auto Insurance or High Risk automobile residual insurance markets (STATE AIPS’S & STATE CAIP’S) are made available in most states to assist licensed resident drivers unable to secure auto insurance through the preferred companies due to a their driving history. Most household name brand companies must participate to satisfy state insurance mandates.
To obtain accurate assigned risk auto insurance quotes you should have your driving history information as well as your drivers license number available.
To try and stay within your budget experts recommend educating yourself and then obtain car insurance quotes with a full motor vehicle report as well as a C.L.U.E inquiry ran to ensure that you have a true rate.
Most direct writers of car insurance will sell you a policy without running and applying your DMV (MVR motor vehicle report) or drivers history abstract of violations and points. Some don’t even bother running a “CLUE” report to see how many accidents that you have had. You purchase the policy and think all is fine since they have your money. About a week later you receive a letter stating that you do not meet their underwriting criteria and you will be cancelled. So if you might be high risk, don’t fall victim to the billion dollars spent advertising to lure you in to buying. If you are high risk, only time passing and a cleaner driving history will help you. Learn what high risk a policy of auto insurance average cost is from us.
Why would my current auto insurer cancel my policy?
Technically, in most states your insurer may cancel your policy only if:
you fail to pay your premium;
you lose your driver’s license;
you are guilty of material misrepresentation during the application process i.e., you fail to notify your insurer of a recorded violation, such as a drunken driving, or possession of drugs or any illegal activity offense; or
you fail to report a substantial change of risk, such as buying a new high performance sports car to replace an old high mileage family sedan.
However, your insurer may choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk DUI-DWI? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident.
That is why it is important to note that if you are licensed to drive, by law, you are eligible for insurance. However, your options for new coverage may be limited. Each state has created and regulates a market of last resort (high risk auto insurance pool) for those who cannot otherwise obtain coverage. These groups have various names, depending on the state you live in, such as assigned risk automobile insurance plans or the residual market, or the high risk pool. Your agent or insurance producer will know more about the particulars in your state.
Regardless of the reason you were dropped or canceled by your insurer, you need to act immediately to get another policy. Under no circumstance should you drive your vehicle without knowing one hundred percent that you have current insurance. If you do find yourself in the assigned risk automobile residual market pool, the price may be higher but it may be your only alternative in maintaining your freedom to drive.
Assigned Risk Plan
Under an assigned risk insurance plan, each insurance company initially is allowed to refuse to sell insurance to any driver, except for reasons prohibited by anti-discrimination laws. Drivers who are initially unable to find and buy car insurance may appeal to an organization that assigns such drivers to insurance companies in proportion to company market share. Each company is required to sell insurance to its assigned drivers, for which the company receives premiums, pays claims, and provides service. These services are offered by licensed car insurance brokers
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