What to do when no one will insure you?

When no one will insure you, whether auto, home, or health, you have options through high-risk pools, state programs, and improving insurability, so do not drive or live uninsured illegally. For auto insurance when no one will insure due to DUIs, accidents, or lapses, look for non-standard or high-risk insurers like The General, Dairyland, or Progressive who specialize in high-risk drivers, or seek assigned risk pool through state, every state has assigned risk plan that guarantees coverage for drivers unable to get insurance elsewhere, though more expensive. Work with independent agent who can access multiple non-standard carriers. Improve record by taking defensive driving course, maintaining continuous coverage even with minimum liability to avoid lapse penalty. For home insurance when no one will insure due to old roof, claims history, or location in wildfire or coastal area, look into surplus lines insurers, FAIR Plan which is state-mandated high-risk pool for homeowners who cannot get private insurance, and make home improvements like new roof, trimming trees, installing security system similar to protecting valuables in waterproof Packout. For health insurance, use ACA marketplace which cannot deny for preexisting conditions. Document improvements and shop again after 6 to 12 months of better record.