If you are someone who has a bad driving record, do not worry. It is not always possible to abide by all the traffic rules and regulations. Getting car insurance gets expensive if you have a bad driving record and an insurance provider might not be willing to insure you, but that, of course, will depend on how bad your driving is in real. The bad driving record car insurance can be a difficult task to obtain if you are one of the high-risk drivers.
How Do You Know If You Are A High-Risk Driver? – Driving Factors:
This is decided by the insurance company when they calculate your premium, the take into account the driving and non-driving factors in order to determine how much of risk you are. The insurers will consider the following factors:
- At-Fault Accidents: This is especially with a bodily injury pay out and this tends to be one of the major indicators of insurance risk. Apart from being a financial burden for the insurance company, which is, also responsible for the damages under the liability coverage but you can also be a huge risk if they insure you to move ahead.
- Reckless Driving: In most of the states out there, reckless driving is considered to be a major violation. A reckless driving charge is considered to be the third-most-expensive violation for car insurance.
- Driving Under The Influence (DUI): this is another major violation according to the bad driving auto insurance company as DUI’s basically result in damage of property, injury to the body and death benefit pay outs.
What Are The Non- Driving Factors That Will Make You A High-Risk Driver?
The poor score of credit: too many insurance companies out there, the score of your credit is like a reflection of what kind of a driver you will be. It has been observed that the drivers who possess a low credit score file more claims in comparison to those drivers who have a bad credit score. When drivers with poor credit file claims, it will result in more expensive pay outs.
Age: one more important factor is age – if you are young, it means you are inexperienced and thus this leads to risk.
Getting an auto insurance for bad driving record might not be easy because most of the insurance companies might have rejected you several times after you have tried but even then, you do not need to worry! Auto insurance for people with bad credit records can get help from Assigned Risk Insurance that will assign the drivers with bad driving records to insurance companies as a last resort. In order to get qualified for this, you will have to prove that you have tried and failed to get the insurance many times and you have been denied because of your driving record. Once you have proved that, an insurance agent will help you and submit your report to the state making them aware that you require the Assigned Risk Insurance. However, you need to know that this is quite expensive.