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California Automobile Assigned Risk Plan

Welcome to the California Automobile Assigned Risk Plan homepage.

The CALIFORNIA AUTOMOBILE ASSIGNED RISK PLAN (CAARP) was created in 1947 by the state legislature with the essential purpose to provide automobile liability insurance to those who "in good faith" are entitled to but are unable to procure such insurance through ordinary methods. The statute indicates a legislative intent to encourage drivers to seek insurance in the voluntary market using the assigned risk plan only as a last resort.

What is the Assigned Risk Plan? It is a processing center by which people who have trouble buying automobile insurance are put in touch with an insurance company which will insure them. From then on, the person and the certified producer communicate with the insurance company as if they had chosen the company. As part of the initial processing, the Plan makes financial responsibility filings with the Department of Motor Vehicles if requested on the application. If the insured or producer is having difficulty in getting the attention of the insurance company, we attempt to assist. When appropriate we will also assist insurance companies in communicating with insured and certified producers.

The assigned risk plan is not an insurance company. Its rates are recommended by CAARP's Advisory Committee and approved by the Department of Insurance. It is the Advisory Committee’s obligation to propose rates and run the Plan on a self-sustaining basis. The financial backing necessary to assume the risk comes from companies who are required by law to participate in the plan.

Applicants to the plan are divided among these insurance companies in proportion to the amount of automobile insurance business each company writes in the state. For example, a company which insures 10 percent of the cars in California's regular market insures 10 percent of the applicants to the assigned risk plan.

Only certified producers can submit applications to the California Automobile Assigned Risk Plan. Any agent/broker with a California fire & casualty license can become a certified producer with CAARP. Agents/brokers must complete an application for CAARP certification and include a copy of their current California fire & casualty license.

Announcements

California Low Cost Auto Insurance Program Successfully Implements Changes Mandated by Senate Bill 1273 and Department of Insurance

Effective January 5, 2015, AIPSO successfully implemented changes to California's Low Cost Auto (CLCA) Insurance Program as mandated by California Senate Bill 1273 and California's Department of Insurance. The CLCA program is administered by AIPSO's Western Region staff headquartered in San Francisco.

Click here for more details.

2015 Peer Review Subcommittee Application

The 2015 Peer Review Subcommittee application is now posted online under forms.  If you are interested in becoming a Peer Review Subcommittee member (A committee who reviews producer performance), please submit your application by January 10, 2015

Enhancements to California's Low Cost Auto Insurance Program

Click here for an important announcement regarding enhancements to California’s Low Cost Auto Insurance (CLCA) Program that will take effect January 1, 2015 in compliance with California Senate Bill 1273.   The announcement also outlines amendments to the CLCA Program that are effective December 1, 2014 in response to directives from California's Department of Insurance.  Included with the announcement are screenshots of changes that have been made to the CLCA Program’s Electronic Application Submission Interface (EASi), as well as two informational documents concerning  CLCA Program eligibility and an Important Note for producers submitting CLCA applications.

Revised Convenience Fee Rates

Effective 12/1/2014, the convenience fee pricing for use of debit card payments for CAARP Private Passenger and CA Low Cost Auto processed through EASi has been revised and reduced by our vendor, Official Payments:

California Low Cost: $1.95

CAARP: $2.95

  (Prior pricing was at $3.99 for California Low Cost and $19.99 for CAARP)

Credit Card convenience fees will remain unchanged:

California Low Cost: $3.99

CAARP: $19.99

AIPSO is pleased to announce the appointment of the new manager of its Western Region office in San Francisco.

Registered users of AIPSO.com can learn more by clicking here.

 

Important Notices

Effective January 6, 2014, the mailing address for the California Low Cost Automobile (LCA) application, the California Assigned Risk Automobile Plan’s (CAARP’s) private passenger and commercial applications, and other related Plan forms will be:

California Automobile Assigned Risk Plan

P.O. Box 6530

Providence, RI 02940-6530 

The CAARP/LCA’s office in San Francisco will remain open, with their telephone numbers, fax numbers and e-mail addresses unchanged.

If you have any questions pertaining to the new mailing address, or any other aspect of LCA/CAARP administration and/or operations, please telephone 866-602-8861 or 800-622-0954, or e-mail: caarp@aipso.com , and a customer service representative from the San Francisco office will be able to assist you.

 

 

California Region
150 California Street Suite 200 San Francisco, CA 94111
Monday - Friday 8:00 - 4:00 PT
Phone: (800)622-0954  Fax: (415)421-4013  Email: caarp@aipso.com