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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.

AIPSO.com Security Update

You may know by now of the security vulnerability posed to a great number of Internet sites by the Heartbleed bug.

We have confirmed that these AIPSO websites were not vulnerable to the Heartbleed bug:
• EARS
• EASi
• PASS

AIPSO has also remediated the potential vulnerability for the websites below and updated all relevant site certificates.
• AIPSO.com
• FAST

While we have no reason to believe any data was compromised or that any breach occurred, changing your password is advisable whenever vulnerabilities are identified in an application or web site.  To change your password for the following AIPSO-hosted sites, you must log in by following the links below:
• AIPSO.com
 EASi
• PASS
 FAST

Click here for more information regarding this security vulnerability issue.

Announcements

                                

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