What to Do If Your Car Insurance Is Denied Due to Too Many Claims?
2 Answers
If your car insurance is denied by the insurance company, the owner can negotiate with the insurer to reach an insurance agreement. Here are the detailed steps: 1. The insurance company may increase the premium rate as a means to manage high-risk policies. 2. The owner can promise to lower the compensation standard to meet the insurer's underwriting requirements. 3. Additionally, some insurance agencies offer cross-region underwriting services. For high-risk car insurance policies rejected locally, these agencies can find insurers in other provinces or cities willing to underwrite them, meeting the protection needs of such car owners.
My neighbor just had this issue a few days ago, and the insurance company directly refused coverage. His experience is not to panic immediately, but to quickly call a few smaller insurance companies to inquire. Some specialize in high-risk policies—though the premiums are more expensive, at least you can get coverage. I recommend installing a dashcam at the same time to document good driving habits, then try reapplying after six months. If that still doesn’t work, you may have to accept only purchasing mandatory insurance and set aside more money for repairs. By the way, a friend successfully re-insured by transferring the car to a family member’s name, but I’m not sure if this trick is compliant. Driving steadily is key—premium hikes are manageable, but outright refusal is a real hassle, so plan ahead.
