What If A California Auto Insurer Won't Cover Me?

What If A California Car Insurer Won't Cover Me?

California Car Insurance Guide

What If A California Auto Insurer Won't Cover Me? /

Some insurance companies specialize in the non-standard auto market for what they consider to be high-risk drivers. Should you decide to buy in one of these markets, be sure to shop carefully because eligibility requirements and rates vary.

Discover how to find ways to drive legally even if you are deemed a 'high-risk' driver.

What If A California Auto Insurer Won't Cover Me?

If you can't find a California car insurance company that will insure you, you can get liability coverage through the California Automobile Assigned Risk Plan (CAARP). This plan is designed for drivers who do not qualify as good drivers and are unsuccessful in obtaining insurance from non-standard or approved surplus lines insurance companies. To apply for the plan, find a CAARP certified insurance agent or call CAARP direct.

The plan works by taking your application and assigning it to an insurance company. All insurance companies licensed in the state must accept CAARP applicants. The amount of CAARP assignments is based on insurance company marketshare. The more automobile policies an insurance company issues, the larger the portion of CAARP assignments they are required to take.

The rates used by the plan are the same no matter what California car insurance company issues the policy. The plan also offers installment options. After three years with a clean driving record, consumers underwritten through CAARP can move from the program to a standard lines insurance company. No broker's fee can be charged in connection with a CAARP policy.

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What If A California Auto Insurer Won't Cover Me?

What If A California Car Insurer Won't Cover Me?

California Car Insurance Guide

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