As a consumer, you’re entitled to certain rights. There are also certain responsibilities you’re responsible for with your insurance carrier. These are outlined by FSRA.
Having a poor driving record is one of the reasons auto insurance is sometimes denied. That doesn’t mean you can’t still get insurance. One carrier might deem you a high-risk driver, but you should still reach out to other auto insurance carriers. Because you can't drive without insurance, shop around and compare car insurance rates from other insurance carriers. If your licence is in good standing and hasn’t been suspended and you can drive and have a car, another insurance provider can help you with car insurance. Drivers are considered high-risk if they have a lot of claims for which they are at fault. It can increase your premium and cause the insurance company to cancel your policy. That’s because several claims can increase your risk. High-risk behaviour can include: