Yes, you can still get auto insurance with a poor driving record, but it may be more expensive. Insurance companies view drivers with a history of accidents or traffic violations as higher risk, which can result in higher premiums. Shopping around and comparing quotes from different insurers can help you find more affordable options. Additionally, some states offer high-risk insurance pools for drivers who have difficulty obtaining coverage through standard insurers.

• Ensure Safety: Check for injuries and move to a safe location if possible.
• Call 911: Report the accident and request medical assistance if needed.
• Exchange Information: Get the other driver’s name, contact information, insurance details, and vehicle information.
• Document the Scene: Take photos of the accident scene, damage to vehicles, and any relevant road conditions.
• File a Police Report: Obtain a copy of the police report for your records.
• Notify Your Insurance Company: Report the accident to your insurer as soon as possible.

Auto insurance premiums are determined based on several factors, including:

• Driving Record: A clean driving record typically results in lower premiums.
• Age and Gender: Younger and male drivers often have higher premiums due to higher risk.
• Location: Where you live can impact your rates due to factors like crime rates and traffic density.
• Vehicle Type: The make, model, and year of your car affect the cost of repairs and likelihood of theft.
• Coverage Amount: Higher coverage limits and lower deductibles usually result in higher premiums.
• Credit Score: In some states, insurers use your credit score to help determine your premium.

Auto insurance policies typically include several types of coverage:

• Liability Coverage: Covers bodily injury and property damage you cause to others in an accident.
• Collision Coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.
• Comprehensive Coverage: Covers non-collision-related damage to your vehicle, such as theft, vandalism, fire, and natural disasters.
• Personal Injury Protection (PIP) or Medical Payments: Covers medical expenses for you and your passengers, regardless of who is at fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.