Which entity must have an Assigned Risk Plan to assist applicants unable to procure auto insurance?

The Insurance Commissioner is responsible for overseeing the Assigned Risk Plan that assists applicants who are unable to procure auto insurance. This is particularly crucial in ensuring that individuals who may be considered higher risk or who have previously been denied insurance have access to coverage. By managing the Assigned Risk Plan, the Insurance Commissioner helps facilitate a system whereby these applicants can obtain the necessary insurance coverage through designated insurance providers willing to accept them under certain terms.

The role of the Insurance Commissioner is to ensure fair access to insurance for all consumers, thereby helping to maintain confidence in the insurance marketplace. This includes processes like the Assigned Risk Plan, which offers a safety net for those unable to find coverage through standard methods.

Other entities, such as the Department of Licensing, Surplus Line Brokers, and auto insurance providers, do not have the same regulatory or administrative responsibilities regarding the Assigned Risk Plan and, therefore, are not the correct answer in this context.