For how long must an insurance company provide coverage when a high-risk driver is assigned?

When a high-risk driver is assigned, the insurance company is generally required to provide coverage for a minimum of three years. This regulation helps ensure that high-risk drivers, who may have a history of accidents or violations, remain insured and can still access the roads safely while motivating them to improve their driving record over time.

During this three-year period, the insurance company monitors the driver's behavior and claims history, which can impact their future premiums and eligibility for standard rates. The extended coverage not only provides protection to the driver and others on the road but also reflects a commitment to gradually transitioning the driver toward lower-risk status as they demonstrate responsible driving behavior.

Understanding this timeframe is crucial for drivers categorized as high-risk, as it impacts their financial planning, and insurance decisions, and highlights the importance of improving their driving habits.