If I’ve been convicted of a non-driving related felony, can an insurance company deny me car insurance coverage?

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Asked April 8, 2013

1 Answer


Yes, an insurance company can deny car insurance coverage to an individual who has been convicted of a non-driving related felony. This is because insurance companies use a variety of factors to determine an individual's level of risk, and a criminal record can be one of these factors. When an individual applies for car insurance coverage, the insurance company will typically ask a series of questions about their driving record, criminal history, and other personal information. Depending on the nature of the felony conviction, an insurance company may consider the individual to be a higher risk, and therefore may either deny coverage or charge a higher premium. There are several factors that insurance companies consider when determining an individual's risk level, including their age, driving record, type of vehicle, and location. Criminal history can also be a factor, especially if the conviction is related to fraud, theft, or other types of financial crimes. It is important to note that insurance companies must comply with state and federal laws regarding discrimination, and cannot deny coverage based solely on an individual's criminal record. However, they can use this information as a factor when determining coverage and pricing. If you have been denied car insurance coverage due to a felony conviction, you may want to consider working with an insurance broker or agent who can help you find coverage through a specialized high-risk insurance provider. Additionally, you may want to seek legal advice to determine if your rights have been violated and if there are any legal avenues for recourse.

Answered April 8, 2013 by Anonymous

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