If you live in Florida, you need auto insurance just to get behind the wheel of your car. Operating a car without said insurance will, at the very least, land you with a pricey ticket. But sometimes, it can seem like you don’t have many options. Those who can’t afford car insurance but still need to drive are in luck, however. For them, there is FAJUA. If you are looking for FAJUA Insurance then you can visit http://YourfloridaInsuranceQuotes.com and get a free quote.
Florida Automobile Joint Underwriting Association
FAJUA stands for Florida Automobile Joint Underwriting Association. Back in February of 1973, it was created through sections 627.351 and 627.311 of the Florida Statutes. It was made with the expressed intent to subsidize auto insurance for those who wouldn’t otherwise be able to afford it.
As we mentioned, some people really need to drive their car but simply can’t afford the insurance that goes with it. Many of the people FAJUA is aimed at helping have a history that makes them unattractive clients for insurance companies. However, if they can’t drive, the only alternative is that they’d become burdens on society due to their lack of income. Florida decided the only way to solve this issue was by forming the Florida Automobile Joint Underwriting Association.
One issue to consider, of course, is the risk the state could be taking on by essentially insuring the uninsurable. If they really can’t get insurance because they have a history of such awful driving, do we really want them on the roads at all? Obviously, many other people have issues with paying for other people’s insurance through taxes. However, this law has been on the books for over 4 decades now, so don’t expect it to change much anytime soon.
How It Works
You have to qualify to receive insurance from the Florida Automobile Joint Underwriting Association. And in order to qualify you have to prove you’re an individual who essentially can’t get insured anywhere else or at least not for a reasonable price you could afford.
There are instances where people could certainly afford their own insurance, but tried going through FAJUA anyway so they could get cheaper rates. This is a 3rd degree felony. Section 817.234 of the state statutes recognizes it as such. Obviously, when compared to paying for auto insurance, it’s probably not worth the risk.
Once they prove they qualify, the uninsured is then given a list of insurance providers in the state that the association has approved. These are the only providers someone can go through when using the Florida Automobile Joint Underwriting Association. The association doesn’t themselves insure drivers, after all, they simply act as a means of subsidizing.
So if you live in Florida and are having trouble affording or even finding auto insurance, don’t think you’ve hit a dead end and don’t elect to simply drive without it. Instead, look into the Florida Automobile Joint Underwriting Association. Countless Floridians have used the association’s help in the past to get insured so they can lead normal lives. FAJUA can do the same for you.