At Risk
A situation that presents a high likelihood of loss.
If you own a car, you may be at risk of having an accident, having the car stolen or having it burglarized. If you're unhealthy or have a terminal illness, you're also at risk—and the chance of filing an insurance claim increases exponentially.
Insurance companies must take factors like these into consideration when deciding whether or not to insure you—and at what level to set your premiums. The more risk you present your insurance company, the higher your premiums will be—if you're accepted. However, those at risk are never guaranteed acceptance; that decision is left to the insurer.
