There are a couple of things working against you here. Personal Injury Protection
claims are considered high claim payouts by insurance companies and having multiple on your insurance record is a huge risk factor to insurance companies. Another thing to consider if your location. Miami and by extension Florida
are expensive places to get insurance - regardless of driving record. Third, you have a young driver on your policy. Even if your son where to have a great driving record, drivers under the age of 25 present immense risk to insurance companies. Based on these factors, I recommend the following: 1. Consider dropping your son from your policy until they are no longer rated for an accident. 2. Have your son take a defensive driving course. 3. Look at non-standard insurance companies. Non-standard insurance companies are companies that write policies for high-risk drivers such as your son. 4. Visit our site here
or call us at 833-768-7789 to find a quote.