What is a market source in Florida for persons who are unable to purchase auto insurance through normal channels?

The Florida Automobile Joint Underwriting Association (FAJUA) serves as a mechanism for individuals who cannot secure automobile insurance through standard avenues due to being classified as high-risk drivers. This association was established to provide a safety net for such individuals, ensuring they have access to necessary insurance coverage. Policies under the FAJUA are typically issued through member insurance companies, which collectively manage this cooperative underwriting process.

This approach allows high-risk drivers to obtain coverage that they might otherwise struggle to find in the traditional insurance market, thereby fulfilling a critical function in promoting insurance availability and regulatory compliance in Florida.