If you have been involved in an auto accident, and you find out your insurance company is dropping you, it is never a good sign or a good feeling.
There are several reasons that an insurance company might cancel or decline to renew a customer’s policy, but don’t fret. There are ways that you can correct the problem.
There are several options, so here is a run down of what action you can take if your auto insurance provider dropped you after an accident.
It can be stressful if you are notified that your insurance is being cancelled since you cannot legally drive without insurance coverage. After you confirm why your coverage was dropped, you should do some research and start shopping around for insurance coverage, so you can get back on the road as soon as possible.
You could appeal your policy’s cancellation, but it is a long, complicated process. Reinstating your insurance policy after it has been dropped almost always means reinstatement at a much higher insurance premium.
You Might Be A High-Risk Customer
If you have been dropped for claims or excessive violations, insurers will consider you to be a high-risk customer. It will be hard to get coverage with major insurance companies, especially at a premium that is affordable.
High-risk customers will have to find coverage through insurance companies that are non-standard insurers. Non-standard insurers have flexible plans with more affordable rates for those who are having trouble finding coverage at the preferred or standard rate.
If you are having difficulty finding coverage, or if you need a SR22 document, you should check with non-standard auto insurance providers to get the coverage you need at a more affordable rate.
Determine What Coverage You Need
If you have been dropped from your auto insurance carrier, you will need to determine what kind of coverage you will need to get back on the road.
You will need the minimum coverage required by your state, but you might need additional coverage depending on your assets, whether you still owe on your vehicle, and other circumstances. It is important to understand the coverage options and know what you need before you start shopping around. That will help you save time and money.
Don’t be hesitant to ask questions about the coverage and the insurance company in general.
Tips For Avoiding Policy Cancellation
There are several things that you can do to reduce the risk of your insurance company cancelling your auto insurance coverage.
Here are some things that you can do to maintain your coverage:
- Pay your insurance premiums on time.
- Provide accurate and honest information when applying for coverage or when amending a policy.
- Be a safe and attentive driver.
- Don’t try driving without insurance because you will be ticketed and required to provide SR22 documents, which are more expensive.
- Don’t drive under the influence or drugs or alcohol and adhere to traffic regulations.
But, if you do have your coverage cancelled, you can find auto insurance elsewhere but it will cost you more.
Consult with a Personal Injury Attorney
If you have been involved in an auto accident, consult with a personal injury attorney in your area. Complete the Free Case Evaluation Form to have the details of your case reviewed by an accident injury lawyer who practices in your state.
