I Can’t Get Auto Insurance Coverage

Reader’s Question:

I’m Scott of Boston. I want to know what my options are if I can’t find an auto insurance that would cover me.

Scott

Boston, MA

Scott, you did not mention why you are having a hard time finding an auto insurance company. There’s nothing much in your question. Now, I can think of several reasons why auto insurance companies won’t insure you.

Your driving history may be peppered with traffic violations and claims. That’s usually the reason why people are refused coverage by auto insurance companies. Or you may be driving a high-performance car. That would give you a hard time finding auto insurance coverage, you’re driving a high risk vehicle. Perhaps you’re a teenager with a short or no driving history at all. Or your neighborhood where you live in might be a notorious haven for car thieves and vandals.

What you can do is you can go to the state insurance department in Massachusetts and inquire about state assigned risk pool. If you join a state assigned risk pool, you will surely be insured as this state program makes sure that the “non-insurables” in the area are given auto insurance coverage by auto insurance companies. Of course, since you are already part of a branded group, a group of motorists who find it hard to be insured, your auto insurance premium will be high.

Another option would be to look for policies offered by auto insurance companies specializing in “high-risk drivers.” These particular auto insurance companies offer non standard auto insurance to motorists who find it hard to have auto insurance coverage. They provide auto insurance coverage to people with bad driving records, with high powered vehicles or those in “high-risk” neighborhoods. Again, the auto insurance premium will be higher than usual.

To get a list of these auto insurance companies offering non standard coverage, you may contact a local auto insurance agent there in Massachusetts. Going online will also give you a lot of good options.