When you’re considered uninsurable where do you find auto insurance?

Quick notes

– Direct Auto Insurance covers those who may be considered uninsurable by other insurance companies.

– Ultimately if you can’t get insurance elsewhere you have to take what you can get, poor reviews or not.

As we all know, driving an automobile requires insurance. For many reasons, drivers can be denied coverage. If you are considered uninsurable by your average insurance company, it is because you are considered high risk. Direct Auto Insurance offers ancillary services, but their main business is servicing high-risk drivers.


Insurance companies set their own parameters as to when you are considered high risk or uninsurable by them. The problem is that once you’ve been considered uninsurable or high risk by one company, you will have issues with other regular insurance companies. If a broker can’t help you get a policy through their connections, a high-risk company is the only way to go if you want to continue being insured. One of these companies is Direct Auto Insurance.

Direct Auto Insurance

Direct Auto Insurance caters to high-risk drivers. Drivers with at-fault accidents and bad credit, or who are otherwise problematic. Direct Auto Insurance knows its market and offers a variety of payment methods such as text to pay and in-person which are well suited to those who may be dealing with credit or other issues.

Their website provides a lot of information to answer what are likely frequently asked questions and there is a client portal through which policy documents can be obtained and payments made.

Currently, Direct Auto Insurance is only available in the Southeastern U.S. Specifically, Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas, and Virginia.

Insurance companies set their own parameters as to when you are considered high risk or uninsurable by them.

Direct Auto Insurance provides a wealth of coverage which includes bodily injury liability, property damage liability, collision coverage, comprehensive coverage, medical payments, personal injury protection, uninsured motorist coverage, towing reimbursement, labor reimbursement, rental reimbursement, and accidental death coverage. For an insurer that deals with high-risk drivers or those with bad credit, they are not limiting the types of coverages that they provide which is great.

For many reasons drivers can be denied coverage.


Direct Auto Insurance tends to receive poor ratings from its clients and those involved in collisions with its clients. This is unfortunate because Direct Auto Insurance is dealing with a segment of drivers who may otherwise not be able to drive their own cars legally without their services.

What should be remembered is that all insurance companies receive a lot of complaints and the types of complaints that Direct Auto Insurance receives are the same type that all insurance companies receive. Most people tend to forget that their insurance company isn’t like a warm security blanket, it’s a business focused on profit.

Insurance companies spend a lot of time and effort trying to minimize their exposure and avoid paying for claims. Though Direct Auto Insurance receives a low 2 stars out of 5 stars rating, their complaint numbers are close to those of auto insurance companies in general.

Direct Auto Insurance clients and those involved in collisions with their insureds have complained about poor quality repairs, inappropriate use of aftermarket parts, and low balling.

Final Analysis

Direct Auto Insurance exels at its main purpose which is insuring high-risk drivers. Their services should be used as a stop-gap measure until you can find an alternate insurance company with lower rates and better claims servicing who are willing to accept a recent high-risk driver.

A deeper dive — Related reading from the 101:

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If you’re having difficulty obtaining insurance, you may be able to bundle together and obtain car insurance from your home insurance provider. Check out the benefits here.