DUI Car insurance

Jett Johnson : Why first time drivers are considered high risk and given high auto insurance quotes and what are the coverage’s? I am a first time driver and do I need SR22 insurance?

High risk and high auto insurance is not necessary requiring SR22 insurance

Response : High risk is a classification which is used by the general auto insurance companies so that they can either weed out the higher risk or charge appropriate ratings for this classification in order to be able to remain in business. Unfortnately, yes the first time drivers are considered high risk and qualify for even though this is given by general auto insurance companies instead of speciality general insurance companies.

For you the reality is that whether you are a teen or an adult first time driver, a first time driver car insurance can really make a lot of difference in your driving experience. Aside from being required by law, a first time driver auto insurance can give you protection when accidents occur. With all the financial worries somewhat diminished, you can be more relaxed and have more peace of mind while driving.

First time drivers do not need SR22 insurance. Please read my blog post on what is sr22 car insurance and you will know all the details as to when it is required.

Now let me elaborate on what actually is the coverage you get. A standard first time driver car insurance includes the following coverage’s.:
Liability coverage. This is the most important coverage of a standard first time driver auto insurance as it pays for expenses on injuries or vehicle damage that you caused. A good baseline for a standard first time driver car insurance is 100/300/100. This means $100,000 for bodily injury, $300,000 for the injuries of all parties involved and $100,000 for any property damage. However, each state has its own laws on the minimum amount of coverage so be sure to check what applies to you.

Medical payments coverage: This coverage takes care of the medical expenses of all parties regardless of who caused the accident. Moreover, standard auto insurance can include Personal Injury Protection coverage. This coverage pays for funeral expenses, lost wages, suffering and pain.

Uninsured motorist coverage and the underinsured motorist coverage: This coverage will pay for your injuries if the other party is not insured or has insufficient coverage.

The best way to get the best auto insurance quotes for high risk auto insurance or for sr22 insurance is to compare auto insurance quotes online.




DUI Car insurance

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Filed under: Driving habits- bad, risky, high claims • High risk driver • Sr22 Car Insurance

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