After driving without insurance for a few years, will my son find a company willing to insure him?
Driving without insurance is dangerous enough as it is. If a parent knows about their son driving without insurance for as long as two years, then there is something to be concerned about. The question is: how much will it cost him?
Before legally issuing a policy, insurance companies usually have to do a very thorough investigation of a driver's record and claims history.
They will check this information in order to find out whether your son has gotten any tickets or accidents for the past several years.
Since he didn't have insurance, these tickets and accidents will be taken into consideration more seriously.
At this point, finding an insurance company willing to issue his policy won't be easy and it won't be cheap. Insurance companies don't have any obligations for issuing policies to a driver who they think possesses a high chance of risk.
There are insurance companies that specialize in high-risk drivers. Their advertisements are on television, radios and newspapers.
If no other insurance company is willing to accept your son, then it's probably a good idea to apply for these sorts of insurance companies - that'll accept "anyone'.
Driving without insurance brings risks like these: little or no acceptance from insurance companies. There will always be some sorts of options that your son will be able to turn to in case of any emergency.
The insurance companies that are advertised on television claim that they will insure practically anyone, so try and give them a call. With a reasonable conversation, and an understanding negotiation, you'll work something out for your son.
In fact, another good idea is contacting your insurance company (the one that your policy belongs to), and talking to them about this matter.
If you are a good customer of theirs, I am practically sure that they will be willing to talk matters out with you and your son.
Remember, finding an insurance company is no light matter. That's way it should be taken seriously and not avoided. |