您是屬於 High Risk Auto Insurance group ， 所以一般的保險公司不會賣保險給您。
您可以參考這兩個資料
https://www.thegeneral.com/car-insurance/high-risk/
https://www.aipso.com/Plan-Sites/pennsylvania
The Pennsylvania Assigned Risk Plan (PAARP) is the state’s "market of last resort" for drivers who cannot find auto insurance through traditional companies. All insurers licensed in Pennsylvania are required to participate and accept a proportional share of high-risk drivers.
Eligibility Requirements
To qualify for PAARP, you must meet the following criteria:
- Failed Search: You must certify that you have tried and failed to obtain auto insurance in Pennsylvania within the preceding 60 days.
- Valid License: You must have a valid driver's license (unless you are a non-driver owner of a vehicle).
- No Unpaid Premiums: You generally cannot have outstanding unpaid premiums from a previous auto policy.
How to Apply
You cannot apply directly to PAARP. Instead, you must work through a certified producer of record (a licensed insurance agent certified by the Plan).
- Find an Agent: Use the Pennsylvania Insurance Department’s Search Tool to find a licensed producer.
- Submit Application: The agent will help you fill out the application and submit it to the Plan.
- Payment: Premium payments must be made via money order, cashier's check, or personal check payable to the "Pennsylvania Assigned Risk Plan." Producers are strictly prohibited from accepting cash for these policies.
Coverage and Costs
- Minimum Coverage: You must carry at least the PA state minimums: $15,000/$30,000 for bodily injury, $5,000 for property damage, and $5,000 for medical benefits.
- Higher Premiums: PAARP is typically much more expensive than the voluntary market. Rates are determined by your driving record, annual mileage, and years of experience.
- "Take-Out" Program: If your driving record improves, the assigned company may mail a "take-out notice" at least 45 days before your policy expires to offer you a standard policy at a lower rate.
Contact Information
- Phone: (401) 946-2800 or (800) 477-6146
相關的參考資料
Cheapest PA Providers for High-Risk Drivers
While high-risk insurance typically costs more—averaging around $3,036 annually in PA—some companies offer more competitive rates depending on your specific situation:
- Best Overall for High-Risk: Travelers is often cited as the cheapest insurer for high-risk drivers in PA, with rates as low as $1,462.
- Best for DUI/DWI: Progressive or Travelers.
- Best for Poor Credit: Nationwide or Travelers.
- Best for Multiple Accidents: Erie Insurance.
Market of Last Resort: PAARP
If you are denied coverage by private insurers, you can apply for the Pennsylvania Assigned Risk Plan (PAARP).
- What it is: A state-mandated program that assigns high-risk drivers to insurance companies licensed in PA.
- How to Apply: You must apply through a PAARP-registered producer.
- Minimum Requirements: You must still carry the PA state minimums: $15,000/$30,000 for bodily injury and $5,000 for property damage.
