subject: Buying High Risk Auto Insurance [print this page] If you are taking a look over this particular piece, you are going to learn a little more about the finer points of acquiring high risk auto insurance. There might be a lot to consider when it comes to this process, but at the end of this article, perhaps you will be a little better informed.
For one, being at a high risk can actually mean a few different things as far as an insurance company is concerned. While most companies might deny you coverage at their leisure, there are ways to get insurance even if you are considered to be a serious liability to different auto insurance groups.
This is through filling out a form known as the SR22, which is a form that will aid you in getting auto insurance where you might have otherwise been denied. With that being said, this is the back door to get into your insurance coverage whereas you might have been out of luck otherwise. You are allowed into the company's coverage, whether they are happy about it or not.
This is actually a lot more expensive, though this might be the only way you could get insurance. You have to understand, though, that this is only for a specific type of driver. Well, really just two specific types of drivers to put a finer point on things. These are the subject of the next two paragraphs.
Now, the main type of covered driver that might need this form would be those that have been pulled over for DUI or DWI. That is not to suggest that you have to have been a driver that has been pulled over under the influence to need to go through the route of SR22 forms. Generally speaking, this is required of those being routine offenders. They are required to carry insurance through this SR22 for three years or more.
The other type of driver that might need to fill out the SR22 form, would be those drivers that have been in numerous accidents in their driving career. So many in fact, that history itself would suggest that you were at high risk to be in more accidents in the future by simply looking at the accidents and traffic violations that you have already committed.
Now, if you need to go this route, you should check out with the appropriate authorities to get the paperwork. You are also going need to check out which insurance companies are actually covering SR22 forms. So fill out the paperwork and get insured faster if you require high risk auto insurance.
by: Lance Thorington
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