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Will most car insurers drop you if you have 4 accidents in 18 months?

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  • Will most car insurers drop you if you have 4 accidents in 18 months?

    Florida

    Will most car insurers drop you if you have 4 accidents in 18 months? 3 being the my fault but the latest 4th is not.
    What are the legal rules about how that works?

    Is there any law that they must still offer service at least at some price?

    What do you do if you can not get any insurer?

  • #2
    Understand that there is a difference between cancellation and non-renewal. Cancellation occurs within the policy term and is generally limited by law. Non-renewal is permitted for underwriting reasons with 45 days notice.

    Here's the statutes for Florida:

    http://www.leg.state.fl.us/statutes/.../0627.728.html

    The insurance company has the option of offering you high risk coverage at a much higher rate.

    If the company doesn't offer you high risk coverage and you can't get any other company to willingly accept you, there is the Florida Automobile Joint Underwriting Association that will assign your insurance to one of its member companies:

    https://fajua.org/

    Comment


    • #3
      Originally posted by nann274 View Post
      Florida

      Will most car insurers drop you if you have 4 accidents in 18 months? 3 being the my fault but the latest 4th is not.
      What are the legal rules about how that works?

      Is there any law that they must still offer service at least at some price?

      What do you do if you can not get any insurer?

      probbaly they will drop you because most insurers are greedy ********s, robbing you til you need them

      ght

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