IS AN INSURANCE COMPANY REQUIRED TO ACCEPT MY APPLICATION?      An insurance company has the right to decide who they want to insure on the voluntary market based upon a number of factors including motor vehicle violations, suspensions and accidents. When you file your application, the insurance company will assign you "insurance eligibility points." Every new driver is assigned 3 points as an inexperienced operator. You can get additional points for speeding (4), reckless driving (5) an at-fault accident (5), or driving under the influence (9).      If you have received 7 or more points, the insurance company can refuse to accept your application. If so, you will be required to apply for insurance through the Personal Automobile Insurance Plan. PAIP will assign you to an insurance company that will be required to offer you coverage. This type of "Assigned Risk" coverage will cost substantially more than the voluntary market; however, the rates are standardized and all companies must charge the same premiums.      After you speak to an insurance agent, you will be given an application for insurance. Some companies will speak to you by telephone and will mail you an application. Some companies will provide you with an application on the Internet.      The application will require you to provide some personal information such as your age, place of residence, school and any employment. You will be required to provide information about your driving record including any moving violations and accidents. You will need to provide the year and model of the car that you want to insure.      The insurance company will verify the information that you provide with the Motor Vehicle Commission. Any misrepresentations may result in the denial of coverage or the cancellation of coverage. Also, you may be subject to civil and criminal penalties.