Car insurance providers can cease offering coverage to drivers at any time, and one man recently learned this the hard way. The man states that, after several claims and traffic citations, he is now forced to look elsewhere for automotive insurance and didn’t know companies could make such a decision. 

Finding quality car insurance providers can become more challenging with a high number of claims and traffic citations 

According to WSOC TV, Mario Black was recently involved in a car accident where he swerved to avoid hitting a deer. Instead, he hit a guardrail on the road. The man sustained no injuries, but his SUV had significant damage. This is a fairly common occurrence, and car insurance providers always come in handy in these situations. State Farm covered most of the damage, but later dropped him from coverage despite him being a customer for several years.

So, why did one of the most well-known car insurance providers drop him? The letter they sent said he had too many claims. Specifically, he had four documented claims in four years. He also had traffic citations. Notably, Mario received a speeding ticket for going six to ten miles over the limit. The man said, “It’s disappointing because you pay so much money in insurance, and then when it’s time to kind of utilize it, you still get the short end of the stick.”

As mentioned, car insurance providers can drop customers for all sorts of reasons. Notably, they prefer low-risk drivers, as it is cheaper for them to offer coverage. However, companies consider drivers having four claims in the same number of years to be high risk. It’s also important to note that at-fault versus not-at-fault does not affect the decision. Mario may have to pay more for coverage with a new company.