High Risk Car Insurance Ny: What You Need To Know

What is High Risk Car Insurance?

High risk car insurance is often required for those who have a history of traffic violations, accidents, or have been convicted of a DUI/DWI. High risk auto insurance typically comes with a higher premium than standard car insurance policies. It is important to understand what is included in a high risk policy and how it differs from regular car insurance.

High risk car insurance is designed to protect drivers who have a higher than average risk of causing an accident. This type of policy typically includes higher limits of liability coverage, higher premiums, and more restrictions than standard policies. Drivers who are deemed high risk may also be required to carry additional coverage, such as uninsured motorist coverage, to protect themselves from financial loss in the event of an accident.

Why Would I Need High Risk Car Insurance in NY?

In New York, drivers who have been convicted of a DUI/DWI or have multiple traffic violations, such as speeding tickets, may be required to carry high risk car insurance. Additionally, drivers who have had their license suspended or revoked may also be required to carry this type of coverage. In some cases, drivers who have a poor driving record may be required to take an approved defensive driving course or enroll in a driver improvement program to qualify for lower premiums.

What Does High Risk Car Insurance Cover?

High risk car insurance in NY typically covers the same things as any standard car insurance policy. This includes liability coverage for bodily injury and property damage, uninsured motorist coverage, comprehensive coverage, collision coverage, and medical payments coverage. Depending on the provider, additional coverage may be available. It is important to review the policy to ensure that it meets your specific needs.

How Much Does High Risk Car Insurance Cost in NY?

The cost of high risk car insurance in NY depends on several factors, such as the driver's age, driving record, and the type of vehicle they are insuring. Generally, high risk auto insurance policies cost more than standard policies, as they are designed to provide a higher level of protection. Drivers should compare quotes from multiple providers to find the best rate.

Where Can I Find High Risk Car Insurance in NY?

There are many providers that offer high risk car insurance in NY. It is important to shop around to find the best rate and coverage for your needs. Drivers should also read the policy carefully before signing to ensure that it meets their needs and budget.