Question

Craig has a poor driving record. He lives in Florida, has a valid driver license, and has registered his car, but due to his history, he is unable to obtain auto insurance through the private market. According to state law, Craig must have liability insurance in order to drive on public roads. How will Craig be able to purchase coverage?

Answer 1

Craig can purchase coverage through the Florida Automobile Joint Underwriting Association (FAJUA), a state-sponsored program for high-risk drivers. FAJUA provides liability insurance at affordable rates to individuals who are unable to obtain coverage in the private market.

Step-by-step explanation:

Since Craig has a poor driving record, he is unable to obtain auto insurance through the private market. However, according to state law in Florida, Craig must have liability insurance to drive on public roads. In this situation, Craig can purchase coverage through the Florida Automobile Joint Underwriting Association (FAJUA), which is a state-sponsored program that provides auto insurance to high-risk drivers who are unable to obtain coverage in the private market.

FAJUA offers liability insurance at affordable rates to individuals who qualify. Craig can contact FAJUA to inquire about the application process and obtain coverage. It's important to note that FAJUA coverage may be more expensive compared to traditional auto insurance, but it ensures compliance with state law and allows Craig to drive legally on public roads.