subject: Choosing High Risk Auto Insurance Company [print this page] A high risk auto insurance company deals with people who have acquired major violations or multiple minor violations. All drivers who have violations on their driving record, such as driving under the influence of a controlled substance, a car accident while having no liability insurance, as well as multiple minor violations such as parking tickets or unpaid fines, are required to carry a high risk insurance policy.
Why does the state require some people to be sheltered by a high risk auto insurance company? A person is considered a higher risk to other drivers on the road, as well as themselves as a result of outstanding violations such as drunk driving, multiple violations for the same infraction, or an accumulation of parking violations. They are then required to go through a probation period after they get their license reinstated; period in which they are required to have high risk auto insurance for a minimum of two or three years, depending on the state, without further infractions.
When your license is revoked, the state will send you a letter in the mail detailing the reason for the suspension and any fines or jail time that you will be required to pay. If, by any case, you are unsure as to whether or not you are in this category, and need high risk insurance, getting your driving record can let you know. In various states, in order to get a copy of your driving record, you will need to go to a local Secretary of State office to request the proper forms. To find such a location just call 1-800-252-8980, then while in the automated system press 0 to be connected to an operator. By giving your zip code to the operator, you can find the nearest Secretary of State Office location. At your local Secretary of State office you can obtain a Driving Record Abstract request form, also known as the DSD DC-164 form.
If your need high risk auto insurance, what is the best way to go about finding the best high risk auto insurance company? If you are reading this, you are most probably aware of the economic and time advantages of the web. It is good to know there are several websites that allow you to search among different providers classified as "high risk auto insurance company" in order to compare quotes and make and educated decision. Some websites has a complete list of insurance providers that offer sr22 insurance.
by: Andres A Golden
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