When you own a car, you are required to have at least the minimum amount of liability insurance to drive legally. However, if insurers deem you a high-risk driver, it can be challenging to find traditional auto insurance that isn't extremely expensive. In these cases, working with an agency that specializes in high-risk insurance can help you secure the proper coverage. Below are answers to common questions about this type of coverage.

What You Should Know About High-Risk Insurance 

What is this type of insurance?

High-risk coverage is designed for drivers who have a driving history that presents more risk to insurance companies. Generally, insurers avoid these drivers because of the added liability, as it increases the chance that they will have to pay a claim. However, people with poor driving records still need coverage, so high-risk insurers give these drivers adequate protection behind the wheel. 

Who needs this type of coverage?

Any driver who has a higher risk of being involved in a traffic incident should consider this insurance. Additionally, you may be required to purchase this coverage if your driving record doesn't meet the requirements of traditional insurance companies. For example, if you have had multiple DUI charges or traffic violations, or have been in an accident that injured other people, you may need high-risk insurance.

How long do I need this insurance? 

The length of time that you'll need high-risk insurance varies depending on your situation. However, most drivers have to carry it for at least six months, as this is a long enough period for insurers to reassess your risk. If you have many driving violations, plan to have this coverage for at least three years. If you follow safe driving habits, avoid accidents and tickets, and pay the premium on time, your record will improve enough so that you qualify for traditional auto coverage. 

Is high-risk coverage the same as SR-22 insurance? 

While many people assume SR-22 insurance is the same as high-risk coverage, they are not identical. SR-22 coverage is a certificate from your insurer that indicates you have enough liability insurance to drive legally. Often, you only need this bond if a judge requires it after a major traffic violation, such as a DUI. If you need an SR-22 certificate, you'll also need high-risk coverage.

If you need help getting high-risk insurance, contact 1st Choice Insurance in Fairfield, OH. This independent agency offers high-risk, general auto, RV, and motorcycle insurance to drivers throughout Greater Cincinnati. They also provide SR-22 bonds to help drivers comply with regulations and get back on the road. Visit them online for more information about their services, and call (513) 860-0666 to request a free quote.