Driving on the roads of Ontario can be a great experience when done for pleasure, or for work and commuting purposes. But there’s one factor that’s the same regardless of why you’re driving; you and other drivers have a responsibility to each other to drive safely.
When that doesn’t happen, and an accident occurs, that’s when car insurance companies step in to administrate the process of dealing with damage, financial compensation and the aftermath of the incident. Sometimes, however, a driver may be deemed “uninsurable.” While this is not a hard and fast rule that forever bars someone from getting car insurance again, it does mean that certain factors have come into play that make it difficult for a normal car insurance policy to apply to a driver.
Let’s look at some of the bigger factors that play into this and make a big impact on a driver’s ability to be insured.
In the same way that criminal convictions can have an impact on your professional life, driving convictions can affect your “driving life.” Every time you are fined with a ticket, or convicted of something much more serious, such as driving under the influence of alcohol, this has an impact on your driving record.
If too many of these violations occur, especially over a short period of time, this information is accessible to insurance companies. For example, you had your license suspended as a result of an impaired driving conviction due to alcohol consumption, combined with other violations, such as broken tail lights, and other minor infractions. However, your auto insurance is actually up for renewal this month, and so the insurance company will do a routine check of your driving record because it is time to make adjustments up or down based on your performance.
With a suspended license and violations as serious as impaired driving currently on your record, the insurance company may simply decide not to renew your insurance at the appropriate time. There are too many legal violations in too short a span of time, and this may be indicative to them of future, consistent problems with your driving.
The whole purpose of car insurance is to provide a financial infrastructure for quickly, efficiently paying out damage—either for your repairs or to compensate someone else’s repairs—in the instance that a car accident occurs. However, car insurance is not a “free pass” to get into as many accidents as you like with someone else footing the bill for all the repairs required.
While accidents do happen, and that’s the reason car insurance is there for you, too many accidents stops looking like an unfortunate, random incident, and a problem with you as a driver. If you have gotten into multiple accidents, and especially if it is determined that you are the driver at fault in these accidents, you represent a risk to yourself and others on the road. A responsible insurance company will not offer insurance to someone that presents a high safety risk to other drivers, and you may be deemed uninsurable because of this.
This does not mean, however, that it is impossible for you to get insured for a car ever again. It does mean that conventional insurance policies may be reluctant to take you on, but you still have options. Talk to your insurance broker about your exact circumstances and see if you can still qualify for entry in a “high-risk insurance” policy.