Assigned Risk Plan

In the Constitution State, all drivers must have minimum coverages of liability auto insurance in the amounts of 25/50/25 and minimum uninsured motorist insurance of 25/50.Since 1981, the Plan's purpose is to cover as many drivers as possible, even when auto insurers consider them to be high risk.High risk drivers are apportioned to auto insurance companies based on market share.

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In order to qualify for coverage through the Plan, you have to say on your application that you tried but failed to obtain auto insurance in the “voluntary” market in the last 60 days.

If that is the case, then all you need is a valid driver’s license and a car registered in the state of Connecticut.

If you remain in the high risk category after three years, you can apply again through the Plan.

You may wind up with a different insurer, as assignments are made based on market share, not your individual preference.

But you should understand what factors most auto insurers consider when evaluating you and developing your premium.

You may pay your insurance premium to your assigned insurer in one of two ways.

However, if it is determined that you have applied in bad faith, you can be barred from applying for 12 months.

Connecticut’s Plan makes sure pretty much the same types of auto insurance coverage are available as in the voluntary market – they just may cost you more.

That way, the losses that generally occur with high risk drivers are spread across all companies.

Connecticut has relatively few drivers in the Plan currently.


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