Can I Get Insured if I Have Prior Claims or No Auto Insurance History? 

Securing auto insurance can feel daunting if you’ve had previous claims or have never held a policy before. However, having a complicated insurance history doesn’t mean you’re out of options. Insurers offer solutions tailored to drivers with unique backgrounds, even including those they consider “high risk.”

How Past Claims and No Previous Coverage May Impact Your Options

Insurance companies typically assess risk based on your driving and coverage history. If you’ve filed multiple claims, especially for at-fault accidents, insurers may view you as a greater potential risk. Similarly, if you’ve never had auto insurance, carriers will lack data to evaluate your risk level, which can lead to higher premiums or limited policy options.

Despite these challenges, many insurance professionals have ample experience in working with drivers who have prior claims or no coverage history. You may need to provide additional documentation, such as driving records or proof of vehicle maintenance, to help offset the lack of insurance history.

What is High-risk Auto Insurance and How Does it Work?

High-risk auto insurance is designed for drivers who don’t meet the criteria for standard coverage. This often includes individuals with multiple claims, DUIs, lapses in coverage or no prior insurance. These policies typically come with higher premiums and may offer fewer discounts, but they can at least help you remain covered and fulfill legal obligations.

Some states also offer assigned risk programs, which connect high-risk drivers with insurers willing to provide coverage. For example, in Texas, the Texas Automobile Insurance Plan Association can help drivers who have been rejected by carriers. While not ideal long-term, these programs can be a stepping stone toward rebuilding your insurance profile.

Finding the Right Coverage Near You

If you need auto insurance in Irving, TX, the knowledgeable and dedicated team at Festival Auto Insurance will leave no stone unturned in finding potential coverage options. Contact us today to get started.

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.