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Assigned risk plan refers to the auto insurance facilities that are available in all the U.S. states. These facilities can be used by drivers to obtain auto insurance if they are unable to buy from regular markets. All the insurers participate in assigned risk plans. The insured drivers are covered corresponding to the premium. When premiums are too low to cover losses, insurers are usually assessed to make up the difference, and these costs are passed on to all of their customers. Assigned risk plans are also called joint underwriting facilities.