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High Risk Auto Insurance Companies

    Acceptance Criteria

    • A high-risk insurance company's acceptance criteria are much more lenient than those of a standard company. High-risk companies typically accept drivers with multiple moving violations, accidents and even DUIs.

    Coverage Limits

    • Although each high risk insurance company is different, many of these companies focus on providing only the minimum amount of coverage required by the state.

    Premiums

    • Because its customers have poor driving histories, a high-risk insurance company knows it will pay a disproportionate number of claims. For this reason, coverage premiums are typically far higher than those charged by standard companies.

    Coverage Exclusions

    • High-risk policies typically add numerous coverage exclusions not found in a standard policy. A coverage exclusion is a circumstance when the company will not pay a claim, even if coverage would have been available. For example, a policy may not pay if the driver has an accident while delivering pizza.

    SR22s

    • Many high-risk drivers require SR22s, which are coverage certifications filed with the state. High-risk companies can file these documents on your behalf.

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