It's natural to want to turn this into a two-by-two matrix.
Through CAARP, these motorists are placed into a residual pool that companies are collectively responsible for underwriting.
The California Automobile Assigned Risk Plan (CAARP) was created in 1947 by the state legislature to make sure that all drivers on the road are protected by auto insurance.
The California Automobile Assigned Risk Plan is California’s residual auto insurance market, which is also called the non-standard market.
A policy through the CAARP does not mean that it will be more affordable than if you go through the regular voluntary market.
It is merely a guarantee that you will get insurance for you and your vehicle when everyone else has rejected you.