Auto Insurance: Can I Get Insured If I Have Prior Claims or No Insurance History? 

Finding auto insurance can feel overwhelming, especially if you’ve had prior claims or have never been insured before. At You Choose Insurance, we understand that every driver’s situation is unique. That’s why we help residents in Port Orchard, WA explore their options and secure the protection they need, regardless of their insurance background.

Understanding Insurance Eligibility in Port Orchard, WA

In Washington, drivers are legally required to carry a minimum level of liability insurance, or another approved method of financial responsibility, to cover bodily injury and property damage in the event of an accident. While having prior claims or no insurance history may complicate the process, it doesn’t mean coverage is out of reach. Insurers offer a range of policies, including standard and non-standard options, based on your driving record, insurance history and other factors.

Drivers With Prior Claims

If you’ve filed claims for accidents, theft or other incidents, insurers may consider you a higher risk. This can lead to increased premiums or limited coverage options. Improving your driving habits and choosing a safer vehicle may help reduce your risk profile over time.

Drivers With No Insurance History

Drivers who are new to insurance (e.g., young adults or first-time car owners) may be seen as an unknown risk. Without a coverage history, insurers have less data to assess reliability. You can strengthen your application by maintaining a clean driving record, showing responsible vehicle ownership or participating in safe driving programs.

What Is High-Risk Auto Insurance?

High-risk auto insurance, also known as non-standard auto insurance, is designed for drivers who may not qualify for standard coverage due to certain risk factors. These include:

• Multiple claims or traffic violations
• A DUI or license suspension
• Poor credit or lapses in coverage
• No prior insurance history

This type of policy is often the best option for individuals who face challenges getting insured through traditional means. It provides a way to stay legally protected on the road, even if your driving or insurance history makes standard coverage difficult to obtain.

Auto Insurance in Port Orchard, WA

At You Choose Insurance, we believe everyone deserves access to quality auto insurance. Contact us today to review your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.