subject: Insurance For Those Who Have Multiple Accidents [print this page] Are you searching for insurance for those who have multiple accidents? You will probably have to pay higher premiums. In some cases, you might be denied coverage. Here are some things that you can do, to purchase policy for your vehicle.
Has your coverage been can canceled? Perhaps your premiums have skyrocketed? It may be time to look at other companies. Go to several different websites. Fill out information for a free online quote.
In a short time, you should receive emails with the quotes. This may give you a good idea of what you can expect to pay. Are all of the quotes high? It may be time to check with some higher risk companies. If you have several marks on your record, you could be placed in a high risk category.
There are some companies that specialize in higher risk drivers. This includes young drivers and inexperienced drivers. You might be able to find special deals with these types of companies. They understand that people can make mistakes.
Check with companies to find out if you qualify for a lower rate. You may be able to take a course in defensive driving, for example. Some of these high risk companies will work with you, to help you get coverage for your vehicle.
However, if any of your claims have involved a DUI, you will have special problems. This does not mean that you cannot get coverage. It means that you may have to pay very high rates for as long as three years.
Many states have SR22 programs that you must be a part of. You will be required to pay for much higher liability limits than the minimum. You cannot let your policy coverage lapse for even one day. This could mean that your license will be suspended.
You may also be required to have coverage, even if you do not own a car. Your insurance company has to file a form SR22 to let your state know that you still have coverage. If you are in a situation like this, it is best to talk to agents about your coverage. He or she can fully explain your options to you.
Summary
You may be looking for insurance for those who have multiple accidents. You will most likely be considered a high risk driver. You may have to do a lot of shopping around to find the best rates. Search for high risk companies. They may have programs to help you get a cheaper policy. If any of your offenses involve a DUI, you will have certain requirements set by your state. You may need to talk to people about your situation. They can advise you on the best course of action.
by: Lance Thorington
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