What is the purpose of the automobile insurance plan?

The automobile insurance plan is designed primarily to assist individuals who have difficulty obtaining insurance coverage through the voluntary market. This plan serves as a safety net for high-risk drivers or those who have been denied coverage due to various factors, such as a poor driving record. By providing an avenue for these motorists to secure the necessary insurance, the plan aims to ensure that all drivers have the ability to meet their legal obligations and financial responsibilities associated with operating a vehicle.

This approach supports road safety and helps minimize the number of uninsured motorists on the road. In essence, the automobile insurance plan functions as a means to promote accessibility to coverage for those who may otherwise struggle to find insurance options, thereby contributing to a more secure and legally compliant driving environment.