Car insurance is a social and legal requirement and many states have implemented minimum coverage limits for their residents. Mandatory coverage protects other drivers and personal property from uninsured motorists. Lawmakers intended to ensure that every driver had adequate insurance coverage and to reduce the amount of claims absorbed by the insured party who was not in the wrong. However, the end result of mandatory minimum coverage was a bit different from the expectation. High Risk Drivers Motorists who have experienced multiple traffic citations or a DUI in the past are considered by insurance companies to be higher risks than drivers who have clean drivingRead More →