What is an important goal of the Facility Association in the insurance market?

The primary goal of the Facility Association is to ensure that automobile insurance is available to individuals who would otherwise have difficulty obtaining it due to higher risk factors. This organization functions as a safety net for those who might be denied coverage in the standard market, particularly high-risk drivers who have a history of accidents or other issues that make them less desirable to insurers. By guaranteeing availability for those eligible, the Facility Association plays a crucial role in promoting fairness and inclusivity in the insurance market, ensuring that all individuals have access to necessary coverage regardless of their risk profile.

Other options do not align with the core mission of the Facility Association. The association does not aim to promote exclusive policies, ensure low premiums universally, or restrict insurance access for non-residents. These actions would contradict its purpose of providing broader access to insurance for those in need.