How long will auto insurers consider you “high risk”?
No Florida car owner wants to be labeled a “high-risk” driver. This is because this label might disqualify you from standard car insurance coverage and leave you with no choice but to secure more expensive Florida high risk auto insurance. The one good thing about being a high-risk driver is that this label will not last forever. The length of time you are considered high-risk is dependent on the issues that made you risky in the first place.
- Gap in Insurance Coverage
If you have not continuously maintained your auto insurance coverage, then auto insurance carriers will consider you risky to insure. This means that you may have no choice but to rely on high risk auto insurance. Fortunately, you can regain access to affordable car insurance rates after maintaining continuous auto insurance coverage for at least six months.
If you have been issued multiple tickets or been involved in several at-fault accidents within the last three years, then you will be considered high risk to insure. Generally, you will need to keep your driving record clean for three years, until some of your older violations are removed from your record. At this point, you will be able to secure affordable insurance rates again.
- Major Violation
If you have received a major traffic violation, such as a DUI, then you could be considered a high-risk driver for up to five years. However, securing an SR22 or FR44 filing and maintaining these higher coverage limits continuously could mean that this violation is removed from your driving record faster, and you can once again gain access to standard insurance coverage.
This is how long you will be considered a high-risk driver. Do you need help accessing the right Florida high risk auto insurance to tide you over? If so, then contact the experts at Staybull Insurance. Our dedicated team is eager to assist you with all your car coverage needs today.