What does it mean if a driver is categorized as a high-risk driver?

A high-risk driver is classified as such because they frequently violate traffic laws or have multiple accidents. This categorization indicates a history of behaviors or events that suggest a higher likelihood of being involved in future accidents. Insurance companies assess these driving patterns to determine the potential risk they may pose, which often leads to higher premiums for this group compared to drivers with safer records. Understanding driver risk categories is crucial for insurance underwriting and premium calculation, as those deemed high-risk may require more stringent measures or higher costs to provide coverage. This classification reflects a pattern of unsafe driving behavior rather than a clean or unproven driving history, which would indicate the opposite.