What Happens If an Auto Insurer Denies You Coverage?

Here’s what you should do if an auto insurance provider denies you coverage.

Nearly every state in the U.S., including the state of Florida, requires drivers to carry auto insurance.  Naturally, securing the right coverage becomes a priority for many drivers.  However, what happens if an auto insurance provider denies you coverage?  Here are some of the steps that you can take to secure the auto insurance that you need.

Why Coverage Was Denied

Auto insurers have the right to deny coverage to any drivers they consider high-risk.  You may be considered high-risk for a variety of reasons including:

• DUI/DWI conviction
• Involvement in a serious or injury-causing accident
• Having several traffic violations on your driving record
• Having poor credit
• History of insurance violations (failure to pay premiums, lapses in coverage, etc.)

Securing the Coverage You Need

If you have been denied by multiple car insurance providers due to some of the reasons above, then you may need to consider securing high-risk auto insurance.  As the name suggests, this type of insurance is specially designed to offer coverage for drivers that are considered too risky for standard auto insurance coverage.  Keep in mind that high-risk auto insurance requires higher premium payments than standard auto insurance coverages.

Reducing Your Risk

The best way to avoid being denied by a standard auto insurance provider is by reducing your risk.  You can accomplish this by taking a defensive driving course, avoiding traffic violations and accidents, improving your credit, and investing in a car with safety features.  Reducing your risk is an ongoing process, but if you manage to keep at it, you will soon have access to standard auto coverages once again.

This is what you should do if an auto insurer denies you coverage.  Do you have further questions about high-risk auto insurance in the state of Florida?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with all your car coverage needs today.