High risk insurance, which is commonly called 'Non-Standard Insurance', is offered as a result of multiple road accidents, rash driving, and drunk driving. It is offered to those who are considered as high risk drivers.

There are different types of auto insurance policies that are generated by several insurance companies worldwide. A common convention that is used to categorize the different policies is to segregate them according to the level of risk which they bear, which brings us to high risk insurance policies. The concept of high risk insurance means that the insured person has a history or probability of getting into an accident. Auto insurance is a coverage policy that is provided for people who drive any vehicle. It is compulsory in some states of the U.S., without which, a person is not allowed to drive. Based on the driver's age, driving record, history of health, type of car, and commutation distance, the insurance company is to be paid a specific premium. This amount is then given a maturity period. Upon cases of accidents, the company pays for a considerable amount of expenses, such as car repair, legal and court fines, some health and first aid expenses, and also damage to property. These compensation items are included in the insurance agreement.High risk auto insurance is provided to some people who are prone to accidents, or have a history of accidents. The term 'high risk' is basically an implication of the larger risk levels that are foreseen, implying that high risk people will demand compensation and claims in greater volumes and with a greater frequency. From the company point of view, the 'risk' of such insured people is greater. There are two principle categories of insured people who are offered this policy:
Young drivers or drivers who have started driving recently, and similarly, very old people suffering from chronic illness such as diabetes and hypertension. For the young, there is separate student coverage.
The second category is that of people who have a record of rash driving and safety violations. This class of insured people have records of drunk driving, also known as DUI, and by law, they need a DUI auto insurance. Often, you will find requirement of a legal document issued by the traffic authority indicating an SR-22 insurance requirement, which is usually a comprehensive auto insurance policy. It must be noted that in many states, regular rash driving and over speeding may also result in the issuance of a SR-22.
High risk insurance rates are sky-high, which is often viewed to be a drawback. Such insurance policies are never included in low cost categories. It usually includes the following:
Auto repair and medical (first aid) expenditures of the insured person. In some cases where the person is not driving his own vehicle, the repair cost is not reimbursed.
Often, when the coverage is a comprehensive coverage, the repair or first aid cost of the other people involved in the accident is also covered. The premium of such a coverage is high.
In some cases, the liability insurance also becomes a part of such an insurance policy. It means that if a person gets sued after the accident, a substantial amount of cost arising from thereof, is covered by the auto insurance company.
There are substantial number of high risk insurance providers, and it would be good to get auto insurance quotes from top companies, before opting for one.

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