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My son had two accidents: One was his fault and the other someone hit him and ran. The insurer canceled him because of those two previous accidents in a year and now no insurance company will accept my son. I live in Florida.

If your son is being declined by other insurers, he can likely buy insurance through the Florida “high risk pool,” called the Florida Automobile Joint Underwriting Association, or FAJUA.

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FAJUA plans are sold through regular insurance agents. FAJUA recommends you contact the agent who sold you the original policy to see if he can sell you a high-risk policy.

Last updated: Aug. 1, 2013 Redesign Survey