What is CAARP designed to assist with?

CAARP stands for the California Automobile Assigned Risk Plan. It is specifically designed to assist high-risk drivers in obtaining auto insurance. These are individuals who may have difficulty finding coverage through the traditional insurance market due to factors like poor driving records, multiple accidents, or other risk factors that lead insurers to consider them higher risk.

By providing a means for these drivers to find insurance coverage, CAARP helps ensure that they can comply with California's financial responsibility laws, which require drivers to carry liability insurance. This program acts as a safety net, ensuring that even those deemed risky have access to necessary auto insurance, thus promoting safer roads and protecting the public at large.

The other options do not reflect the primary purpose of CAARP. While collecting debts, handling uninsured fines, or offering discounts for healthy drivers may be aspects of the broader insurance industry, they are not related to the mission of CAARP to facilitate coverage for those who struggle to find it elsewhere.