Which organization provides auto insurance for those unable to find coverage due to driving records?

The organization that provides auto insurance for individuals who have difficulty obtaining coverage due to their driving records is the California Automobile Assigned Risk Plan (CAARP). This program is specifically designed to assist high-risk drivers in securing the necessary auto insurance that many standard insurers may refuse to provide based on their driving history.

CAARP operates as a safety net for these drivers by pooling their risks and assigning them to licensed automobile insurers in California. The goal is to ensure that everyone has access to auto insurance, even if they have a poor driving record, which can often make it challenging to find coverage through mainstream insurance providers.

The other options do not relate to auto insurance. FEMA, or the Federal Emergency Management Agency, focuses on disaster response and recovery, NFIP pertains to flood insurance, and CEA refers to the California Earthquake Authority, which covers earthquake-related damages. None of these organizations address the needs of high-risk drivers seeking auto insurance, which reinforces why CAARP is the correct choice in this context.