Which type of insurance is specifically designed for high-risk drivers?

Facility Association insurance is specifically designed for high-risk drivers who may not be able to obtain coverage through standard insurance markets due to their driving history or other factors. This type of insurance provides a safety net for drivers considered too risky by conventional insurance companies, ensuring that they can still meet the legal requirements for auto insurance. The Facility Association operates as a pooling mechanism where these high-risk drivers can find coverage.

While many insurance options exist, such as standard policy forms and offerings from private insurance companies, these typically cater to drivers with better records and may not accommodate those with significant risk factors. Crown corporation insurance might also not focus particularly on high-risk drivers as it embraces a broader audience. Therefore, Facility Association insurance stands out as the option specifically aimed at providing coverage for those who face challenges in securing insurance due to their risk status.