An Illinois driver has been declined for auto liability coverage by three standard carriers because of poor MVR. Where can a licensed Illinois producer place this risk to comply with the mandatory insurance law?

Why this is the answer

The Illinois Automobile Insurance Plan, created under 215 ILCS 5/Article XXIII, is the state's residual market for personal auto. Drivers unable to obtain coverage in the voluntary market — typically because of poor MVR, claims history, or other underwriting issues — may apply through any licensed producer. The Plan assigns the risk to a participating insurer in proportion to that insurer's voluntary market share. The FAIR Plan handles property, not auto, and the Guaranty Fund pays insolvent insurer claims.