Driving without car insurance is ill-advised, and in many parts of the country it is against the law. If you get caught driving without car insurance, you could lose your license and face steep fines. Even worse, if you are involved in an accident while uninsured, you could be held liable for any damages to the other vehicle, and for any injury to the driver and passengers.
If you drive a vehicle, you know how important it is to have sufficient insurance coverage in place; but what do you do if the insurer rejects your application? No one expects to be turned down for car insurance, but it does happen. Knowing the steps to take next could mean the difference between sailing happily down the road and sitting in a jail cell.
Why Would My Application Be Denied?
Before you can rectify the situation and get the insurance you need, you first need to determine exactly why your application was denied. Car insurance companies can deny coverage for a number of reasons, including:
- A late or missed payment to a previous insurer
- A driving record littered with speeding tickets, moving violations and other serious infractions
- A past conviction for DUI or DWI
- Fraudulent information on the application
If the new insurer claims you missed a payment but you know that you have always paid your bill on time, you may be able to go back to the previous company and ask them to certify your payment history. You could then resubmit your application with proof of your previous payments.
If the insurance company claims that the information on your application is incorrect, you can take steps to correct that data and resubmit the application. This will not work in the case of deliberate fraud, but if you make an honest mistake the company should be willing to reconsider your application.
If your past driving behavior is cited as the reason for the denial, you might want to consider enrolling in a driver safety course. Taking a refresher course in the rules of the road and driving safety can reduce your chances of getting into an accident while increasing your odds of getting insurance.
Shopping around is also important after a denial. Do not assume that every company will consider you uninsurable and deny you coverage. Every car insurance company uses its own set of criteria to set rates and determine coverage eligibility.
If you are denied again and again, you might need to contact the insurance commission in your state and ask about the high-risk pool. States set up high-risk pools for drivers who would otherwise be unable to obtain insurance, such as those with past DUI convictions. You will likely pay much higher premiums than you otherwise would have, but you will also have the peace of mind and protection you need to stay on the road.