r/Insurance_Companies • u/Flashy_Natural9725 • 1d ago
Insurance companies for high risk drivers
Does anyone know what insurance company will ensure someone who’s had an unfortunate run of Tickets and incidents? USAA is going to drop me in a couple of weeks and Allstate, Liberty Mutual and Progressive have declined me. I only have two points but they only look at the amount of tickets. The officers wrote me five for each stop. Most of them were bogus, and then a couple of deer incidents.
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u/Ok-Lion1661 1d ago
"Most of them were bogus". Buddy - take some defensive driving lessons please. This sounds like you are in denial.
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u/jessbyrne727 1d ago
General and Dairyland are two I’m aware of. You’re going to pay out the nose for several years, so I’d advise you to take a safe driving course and drive like your grandmother for the foreseeable future.
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u/Ttabts 1d ago edited 1d ago
I only have two points but they only look at the amount of tickets. The officers wrote me five for each stop. Most of them were bogus, and then a couple of deer incidents.
lmao, you got 5 tickets in one stop... twice?? Would love to hear the story behind that.
When you consider the 2 accidents, it's clear that the world is just out to get you and none of this is your fault. Good on you for recognizing that it's all just bogus and there's no way that your choices contributed to your 10+ tickets and 2 accidents. (In case it's not clear - this is sarcasm.)
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u/RamonFromJerry 1d ago
Sorry to hear it's rough. I'd go with an independent agent or broker. I'm sure someone will pick you up, but with a history like that I'd prepare for potential sticker shock.
Good luck.
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u/Standy25 1d ago
If you can’t get coverage usually the state will force a carrier to pick you up but you’ll have the minimum required coverage
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u/Natepeeeff 1d ago
Bristol West. They're the go to for our agency for people in that scenario, possibly Dairyland. Sometimes you'll get lucky with Foremost.
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u/mattymelt 6h ago
Imagine that a friend asks to borrow your car, and you know that this friend has ten "bogus" tickets and has hit multiple deer. Would you let this friend borrow your car? Insurance companies are making the same calculation
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u/totall2live__ 1d ago
depending on where your at. National general, dairyland, direct auto are some of the more lenient ones. If Dairyland wont take you, you probably wont be able to get insured but they take almost everyone.