High-risk Drivers: How to Get Covered After Accidents or Tickets in California

If you’re a California driver who has recently experienced an accident or received a traffic ticket, you may be worried about your ability to find affordable car insurance. Having a blemished driving record can make it more challenging to secure coverage, but there are still options available to help you get back on the road with confidence.

Understanding High-risk Auto Insurance

Insurance companies often consider drivers “high-risk” if they have a history of accidents, traffic violations, or other factors that may increase the likelihood of future claims. Insurers may view these drivers as more likely to file claims, which can result in higher premiums or limited coverage options.

Common reasons you may be classified as a high-risk driver include:

• Recent at-fault accidents
• Multiple speeding tickets or moving violations
• DUI or DWI convictions
• Lapses in insurance coverage

Insurance Options for High-risk Drivers

Even if you have a less-than-perfect driving record, you still have choices when it comes to car insurance. Here are some steps you can take:

1. Shop Around: Not all insurance companies assess risk the same way. Comparing quotes from multiple providers can help you find the most affordable coverage for your situation.
2. Understand SR-22 Insurance: If you’re required to file an SR-22 form (often after a DUI or serious violation), be sure to articulate this when seeking coverage. Some insurers specialize in providing SR-22 insurance, while others might not offer a policy at all.
3. Look for Discounts: Some insurers offer discounts for completing defensive driving courses, installing safety devices, bundling policies, or maintaining continuous coverage.
4. Adjust Your Coverage: You may be able to lower your premium by increasing your deductible or adjusting your coverage limits, but make sure you still meet California’s minimum insurance requirements.

How We Can Help

Finding the right insurance as a high-risk driver can be overwhelming, but you don’t have to do it alone. We specialize in helping California drivers with challenging driving records secure the coverage they need. If you’re struggling to get insured after an accident or ticket, contact Rate Crushers Insurance Brokers today to discuss your options and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.