CAN YOU BE DENIED AUTO INSURANCE IF CONVICTED OF A MOVING VIOLATION?
Can You Be Denied?
Most states have requirements that people who operate a motor vehicle (or own one) will need to have auto insurance in place. This is needed for the majority of drivers. However, car insurance providers can deny individuals coverage if the driver is too high of a chance to insure. It can be hard to acquire insurance when you yourself have such a label because the risk of another mistake, accident or moving violation is high.
By definition, a top risk driver is someone who has a higher potential of filing a state at some amount of time in the future. Insurers view these individuals as high risk and costly, therefore charging a substantial amount more to cover individuals, or simply just denying coverage altogether. There are numerous reasons because of this outcome, including a DUI/DWI conviction, illegal street racing, excessive speeding, reckless driving, driving without licensing and traffic violations where an individual died or got seriously injured.
What Should You Do?
If you are a higher risk driver, you will need to work to minimize such risks going forward. More so, if you discover a policy that offers coverage to you, make sure you do everything you are able to to lessen your points. In some instances, you may be in a position to take a driving course to reduce your points. You might need to obtain an SR-22 as well, which generally is just a requirement by the department of motor vehicles. A lot of people will get a policy available to them, though it can be expensive and hard to do without the aid of an unbiased insurance agent. The best auto insurance provider is probable available even for high risk drivers.
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