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.