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Assigned risk
Assigned risk means a driver of a motor vehicle, or a class of such drivers, who would be denied insurance coverage by insurance companies, but are required to be covered under U.S. state law.〔See (Free Dictionary ), citing the American Heritage Society dictionary.〕 The term ''assigned risk'' is also used in Workers' compensation law.
==Motor vehicle insurance==
The state government, usually the Department of Motor Vehicles, assigns the risky motorists to automobile insurance companies.〔Ballentine's Law Dictionary, at 36.〕
The risky drivers are undesirable for some reason, and cannot purchase insurance through conventional means.〔(See the Rupp's definition on the CCH website )〕 They are considered high-risk because of numerous speeding or other traffic tickets, or a recent history of motor vehicle accidents, or in states that have a point system, accumulation of so many points. The state DMV point system may be different from the insurance companies' point system.〔Under N.Y. Law, a driver can be suspended after accumulating 11 points in 18 months: ()〕
Several states in the U.S. have such assigned risk systems.〔For example, New York, see article text, California:() and Minnesota:()〕 New York is a typical system.〔N.Y. Insurance Law, Article 52; to locate the law online, search under "Bill search and Legislative materials" at () under INC, article 52.〕 The MVAIC, or Motor Vehicle Accident Indemnity Company, may assign high-risk drivers, and pays for victims of uninsured or underinsured motorists.〔(MVAIC web site )〕 Uninsured means the driver or owner of a motor vehicle has no insurance at all, while an underinsured person has insurance, but the coverage is insignificant compared to the potential damages accrued from a tort lawsuit.〔(Notice of intent )〕〔(MVAIC forms )〕
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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