Can car insurance companies deny coverage?

Yes, car insurance companies can absolutely deny coverage. It is within their rights to do so if they consider you to be too high a risk to insure.

Potential indications of risk include:

• A car considered high performance
• History of violating insurance (e.g. lapses in car insurance coverage)
• Poor credit
• Large number of accidents/tickets/other driving violations in a year
• Having received a DUI or DWI
• Serious accident (especially those that lead to injuries)
• Providing incorrect information on your car insurance information

If you are denied coverage, what should you do?

• You should keep looking for a different company.
• Otherwise, you’ll want to seek out high-risk car insurance.
• Finally, your last option would be to look into state insurance plans, which are available in all states that legally require drivers to have car insurance.

You can also improve your chances of receiving coverage by taking a driving class.