Car accidents happen. This is just a fact of life. However, arguably one of the most stressful parts after a car accident occurs is dealing with the insurance company. If you have been in multiple car accidents, then dealing with insurance becomes even more stressful. Insurance companies usually categorize people who have been in multiple accidents as “high-risk drivers”. This means that the insurance company believes that you are more likely to get into accidents than others. Being categorized as high-risk can often times make life difficult. Insurance rates are often higher for drivers in this category and many insurance companies will not take you seriously if they see that you have multiple accidents on your driving record.
Being a high-risk driver does not have to be a major stressor in your life. Here are some ways you can deal with insurance companies if you have been placed under this category.
Have Everything Documented
If you can prove that past accidents were not your fault, you may be able to lower your insurance rates. When you present your case, make sure you have everything regarding your previous accidents documented. You can present documents such as the accident report, witness accounts, or reports and paperwork from the auto repair shop. If you think it will help you out in proving to the insurance company that the accident was not your fault, then present it. Every little detail and document matters.
Shop Around for New Insurance Plans
If you feel that you are not getting the best service and coverage from your current insurance company because you are a high-risk driver, you may want to shop around for a new insurance provider. There are insurance providers that specialize in providing insurance to high risk drivers. Some companies will let you customize your payment plan and can be very flexible overall in regard to your situation. An ideal insurance plan for you is out there; just keep searching.
You Don’t Have to Be High Risk Forever
You can actually get yourself off the high-risk list. A lot of car insurance companies will suggest ways for you to clean up your driving record. If you take the initiative to attend classes on defensive driving and traffic safety, insurance companies will take that into consideration when determining changes and pricing related to your plan. Showing the insurance company that you are taking active measures in cleaning up your record is a great way to get affordable car insurance and will help get you off the high-risk list
When All Else Fails, Get a Lawyer
If the tactics listed above don’t work, then seek out legal help. A lawyer will be able to look over your case with a fresh set of eyes. They will be able to give you advice on what to do next. They will also be able to use their resources to conduct research on what plan of action to come up with regarding your case. Chances are, your case is similar to other cases. A lawyer can see how those cases were handled and will be able to adapt the course of action that was taken before and apply it to your case.
Being categorized as a high-risk driver does not have to be something to stress over. There are ways that you can get over this hurdle. Following the advice listed here is a good way to start your journey on dealing with the insurance company. Just remember, you don’t have to be high risk forever and there are ways to make your situation easier.
If you are currently categorized as a high-risk driver and in need of guidance, contact Dennis and King. Let us help you out!