After being denied auto coverage multiple times through the normal insurance market, an applicant may be eligible to purchase coverage through?

When a person has been denied auto coverage multiple times by standard insurance providers, they may be eligible for coverage through an assigned risk plan. This plan is specifically designed to provide insurance for individuals who are considered "high risk" and cannot secure coverage through the typical market due to factors such as previous accidents, poor driving records, or other underwriting concerns.

Assigned risk plans are established by state regulations to ensure that all drivers can obtain insurance coverage, which is critical for both the individual's ability to drive legally and the overall goal of promoting responsible driving. Under this system, insurance companies collectively share the responsibility of insuring high-risk drivers, which helps to spread the financial risk across multiple companies.

This option is distinct from other programs such as fair automobile insurance plans, which aim to provide equitable insurance options but may not specifically target high-risk drivers through a shared risk model. Similarly, the Joint Underwriting Association and Guaranty Associations provide different forms of assistance but do not primarily focus on providing coverage to individuals who are denied insurance through the standard market. Thus, the assigned risk plan is the most appropriate avenue for those in need of coverage after facing repeated denials.