What is the purpose of the Facility Association in Canadian automobile insurance?

The purpose of the Facility Association in Canadian automobile insurance is to ensure that drivers who are unable to obtain insurance through traditional means have access to coverage, thereby allowing them to meet the legal requirements for operating a vehicle. This is particularly important for high-risk drivers who may be denied coverage by other insurers due to their driving history or other factors.

The Facility Association serves as a safety net, providing a mechanism for these drivers to obtain the necessary insurance. This not only helps individuals comply with the law but also contributes to broader road safety by ensuring that more vehicles on the road are insured, even those driven by higher-risk individuals.

In contrast, other options present different functions that do not accurately describe the role of the Facility Association. For instance, offering discounted policies to all drivers is not within its mandate, as the association is more focused on providing access to insurance rather than reducing costs universally. Likewise, while facilitating vehicle repairs from accidents is a function of the insurance industry, it is not specific to the Facility Association's purpose.