How is the Term ‘High Risk Driver’ Defined?

head on car crash, what is a high risk driver?

How is the Term ‘High Risk Driver’ Defined?

What does it mean to be a high risk driver?

In Florida, the term “high risk driver” can have different meanings.  On the one hand, it can be used to describe a driver who is more risky to insure than the average driver.  For instance, drivers with poor credit, teen drivers, and drivers who do not own a home may be considered high risk.  These drivers may not be able to get the best insurance rates, but they should still be able to get a standard policy.  More often than not, the term high risk driver is used to describe drivers who do not qualify for normal car insurance and must instead rely on Florida high risk auto insurance.  Here is how you can fall into this category.

  • DUI/DWI Conviction

If you are convicted of DUI or DWI, then your current insurer will likely cancel your policy.  Because you have proven yourself to be a risk to yourself and other drivers on the road, other insurance providers will not want to cover you.  As a result, high risk auto insurance may be your only option.

  • Multiple Traffic Violations

If you have multiple traffic violations that add up to more than six points on your driving record, then this means you no longer qualify for insurance through a preferred carrier.  Usually, multiple at-fault accidents and reckless driving violations are the reason that drivers are declared high risk.

  • No Prior Insurance

If you have not had car insurance in the last six months, then insurers will consider you risky to insure.  This is because they assume that you have driven while uninsured at some point.  While this seems unfair, it’s important to remember that insurance companies are simply looking after themselves.  So, if you cannot show proof of at least six months of continuous auto insurance, then you will be labeled a high risk driver.

This is what makes a driver high risk.  Are you looking for the right Florida high risk auto insurance?  If so, then contact the experts at Staybull Insurance.  We are ready to get you the coverage that you need today.

Share this post