High Risk Drivers
Although an individual insurance company may refuse to sell you auto insurance if its approved underwriting rules determine you to be a “high risk,” the insurance industry as a whole cannot refuse to sell you basic insurance.
High-risk drivers are those drivers who have had a number of convictions or at-fault accidents, had policies cancelled because they haven’t paid their premiums, or have other risk-related characteristics.
The Facility Association, an insurance pool that all auto insurance companies belong to, is an insurer of last resort, which makes auto insurance available to high-risk drivers who are unable to find automobile insurance in the regular market. As well, there are a number of “non-standard” insurers that specialize in insuring high-risk drivers.