Who might be excluded from collision optional coverage?

Collision optional coverage may exclude individuals with a lengthy history of at-fault crashes because insurers often assess a driver's risk based on their past behavior. A history of multiple at-fault accidents indicates a higher likelihood of future claims, which can lead insurers to deem such drivers as too high-risk to offer collision coverage.

While new drivers, people with older vehicles, and drivers involved in non-collision incidents may also face restrictions or different terms, it's primarily the at-fault history that significantly impacts eligibility for collision coverage. Insurers are particularly cautious with drivers who have a proven track record of accidents, as their claims may result in increased costs and losses for the insurer. Thus, insurers are likely to restrict or exclude these drivers from this type of coverage to mitigate potential financial risks.