An Illinois applicant has been declined by three voluntary auto carriers due to a poor driving record. Through what mechanism can the producer secure compulsory liability coverage?

Why this is the answer

The Illinois Automobile Insurance Plan, authorized under Article XXIII of the Insurance Code, is the assigned-risk mechanism that distributes high-risk drivers across all licensed auto insurers in proportion to their voluntary market share. Producers submit applications to the Plan when the voluntary market declines the risk. Coverage is generally limited to statutory minimums plus modest options; the FAIR Plan addresses property risks, not autos.