If you were denied auto insurance in Farmington, CT, your options appear to be all but gone. But where there’s a will, there’s a way!

Every state requires drivers to carry some form of financial responsibility to guarantee that someone will pay for certain costs associated with traffic accidents. The most common way to establish financial responsibility is by having car insurance, but what should happen if you were denied? Perhaps you believed yourself to be Speed Racer and are now considered too high of a risk for most insurance companies. Does this mean you can never drive? No! There are still ways in which you can obtain the proper auto insurance policy if you are willing to dig deeper into the crevasse.

Reasons for Denial

Car insurance companies have the right to deny insurance to those they find to be high-risk. There are actually a number of reasons why they may consider you “high-risk.” These reasons include:

  • Having poor credit.
  • Possessing a history of insurance violations, including lapses in car insurance coverage.
  • DUI/DWI conviction or other serious traffic violations.
  • Having a serious and/or injury-causing accident.
  • Having several traffic violations on your driving record.
  • Owning a high-performance car (like a Speed Racer #5).

How to Obtain Car Insurance

Never give up, never surrender! While one company may think you’re too much of a risk, you can always forget them and turn your eyes towards another company. They may find you in their sweet spot and provide you the necessary coverage.

High-risk car insurance. If you’ve done the shopping and haven’t experienced this much rejection since high school, know that all is not lost. There is a thing called “high-risk car insurance.” Premiums are higher for this insurance, yes, but as time passes without accidents you may once again qualify for standard insurance.

To deal with other vehicle inconveniences, or for help finding the right auto insurance in Farmington, CT and the surrounding cities, contact the independent insurance professionals at North American Underwriters. Serving New Britain, Bristol, Farmington, Plainville, and surrounding Connecticut areas, we will work with you to ensure you have the right amount of protection for your specific situation, all at the right price.