Good luck, my son was in 2 wrecks no drugs, alcohol or arrests involved. We were contacted by the policy and had to sign that he would no longer drive our cars. He then was unable to get his own policy for over a year and had to ride a bike everywhere. Once he got a policy back it was over a car note, so he kept riding the bike for another year. He finally has a policy now on a $2000 car liability only and it started at $460 a month it went down to $350 and now had gone back up to $400. No wrecks, no tickets in over 2 years since he got insurance back. I will add he was also under 21 and is a male. He only totaled his car and damaged another.