Excessive exposure refers to an insurance company's risk. There are normal risk factors that an everyday driver has and then there are those drivers that may be found to have excessive exposure to risk factors.

Those with excessive exposure it may be due area in which they drive, live, etc. If your daily drive to work means driving on a freeway or highway that is known to have many serious accident and / or you cross intersections that statistically prove to be prone to many accidents then an insurer may find that you have excessive exposure due to traffic risks.

In this context one can be exposed to risk by doing a certain something or putting yourself in a position where you and your vehicle have excessive exposure to risk. Normal risk will mean normal exposure such as normal traffic conditions. Some insurance providers may say you have an uncommon risk factor.

If your vehicle is only used for commuting a very short distance, based upon the lack of exposure it has to the roads, you might be able to negotiate a discount. On the flip side if your drive is filled with one lane roads, major accident sites, etc then you may be found to have excessive exposure to risk.

If you have an excessive exposure to risk your rates will normally be higher since statistically it shows that you have a greater chance of having an accident or loss that your insurance company will have to cover. Just as if you have a lack of exposure to risks due to only driving a car during the weekend for pleasure, etc then your rates may be lower.

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