Auto Insurance for High Risk Drivers

Motorists can be classified as a high risk drivers for a variety of reasons including factors such as tickets and violations, traffic accidents or convictions of driving under the influence of alcohol or drugs. Young motorists can also be considered a higher risk due to the increased statistical likelihood of being involved in a traffic accident.

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A driver who falls into the higher risk category are generally charged more in premiums due to the fact that they are seen as being more likely to suffer a loss. In some cases there are motorists who may have a difficult time locating an insurer because of containing a driving record which may have a significant amount of tickets, violations, DUI/DWI's and may have a poor credit history; these individuals may have to refer to the assigned risk plan.

The assigned risk plan was designed to provide a way for motorists with elevated risks to obtain coverage and help keep individuals from driving uninsured. These plans are voluntary agreements between auto insurance companies in certain states to share poor risks among themselves; insurers accept the share of "assigned risks" according to the size of the each particular company. The majority of providers participating in the plan are only required to issue policies that meet the requirements of the state's law.

There are other methods for motorists to obtain coverage who cannot do so through the "standard" market; certain states have other programs which are managed by the state to assist individuals who cannot locate a provider willing to accept their risks. Each state has different programs to keep riskier drivers insured in order to help ensure that others who occupy the roadways are protected and compensation is available in the event of a traffic accident.