2. Anyone Who Has Been Involved in a Traffic Accident or Has Received Many Tickets
If you’ve been involved in a traffic accident and you were at fault, your premiums will rise. Not only will you have to pay more, but you’ll be considered a high-risk driver. Accidents are sometimes unavoidable, but there are those times when you are the one at fault.
If you are, then the fear is that you’re a reckless driver. If the accident you were in resulted in a death, then you’re going to be labeled high risk immediately. Any accidents resulting in death require immediate labeling of high risk, and it makes sense if you think about it.
You’re not out of the woods if you haven’t had any accidents since those who receive many traffic tickets can also be labeled high risk.
Those traffic incidents may include reckless operation of a vehicle, excessive speeding, running a red light, and driving without a license. If you’ve been convicted of multiple offenses of any of these, then you might be considered a high-risk driver and thus you’ll be needing high-risk car insurance.