<prompt> Human: So I got a call from my car insurance provider, STATE FARM, and they told me and my wife that because of my TWO at fault accidents both happened in 2016 and her 1 speeding ticket in 2018, they cant insure us AT ALL. We are both 20, Married, and Im confused as to how a car insurance company can just flat out refuse to cover someone and not just raise our rates?Help?  <response>: The insurance laws vary by state, but generally a company can choose to not to do business with anyone they chose unless it is based on being in a protected class.You and your wife are clearly a bad risk - why would they sign up to expect to lose money on you? And why would you expect them to do that? 