While we often think of auto insurance as a necessary and easy coverage to obtain, the reality is that insurance companies reject certain drivers every day. A driver might request a quote from a car insurance company only to be rejected. There are many reasons for this, and it's important you know the common reasons why a company might refuse to insure you.
Why You Could Get Rejected for Car Insurance
Multiple DUIs or other serious traffic offenses
Some drivers are rejected by auto insurers because they're considered too risky because of their previous driving history. If a person has multiple DUIs or other serious offenses on their record, many insurers will simply not insure the driver. This means that the driver must work with a higher risk car insurance company that is willing to work with the motorist.
Multiple at-fault accidents
When you request a quote from a car insurance company, they will look at your record and claims history. Your record will reveal the number of at-fault accidents in which you've been involved in as well as the amount that was paid for each claim. If a driver has multiple at-fault accidents on their record, it indicates to the insurer that they are a poor driver. They cause accidents and frequently file claims for them. Typically, motorists with multiple serious accidents in the last five to seven years will need to buy high-risk auto insurance.
Bad credit
Did you know that your credit impacts your insurance? Insurers will check your credit score before providing you with car insurance. If you have a low credit score, then you will also have a low credit-based insurance score. Drivers will very bad and low credit may be denied by certain insurance companies. You may need to purchase insurance from an insurer willing to work with motorists with low credit scores, or you can work on improving your score before applying for coverage.
Car insurance is there when you need it the most. To secure reliable coverage, contact the experts at
Little & Sons Insurance Services. Serving Banning and the surrounding cities in California, we are ready to assist you with all your insurance needs.
