If you drive and have auto insurance then you have probably heard of the term assigned risk, but what does it mean exactly? Assigned risk is a person with such a poor driving record that he/she is unable to qualify for commercial auto insurance, and therefore must use a state operated or designated insurance program which usually has much higher rates.
In this day and time, most all states require you to have auto insurance in order to be able to drive. There are different minimum insurance requirements from state to state and you should check on your own state’s minimum requirements. Within your state of residence, you may have a problem if insurance companies are not willing to accept you for automobile insurance coverage. Because of this dilemma, most states have some type of assigned risk plan to assure that you can get coverage. While the cost of insurance under the assigned risk plan may be higher than other insurance plans, you are guaranteed coverage.
Call Insurance Doctor if you have concerns or questions about qualifying for car insurance.