What is a valid course of action if marked as an "Assigned Risk"?

Being marked as an "Assigned Risk" means that an individual has been deemed a higher risk by conventional insurance companies, often due to factors such as a poor driving record or lack of insurance history. In such cases, the Virginia Automobile Insurance Plan provides a way for these drivers to obtain necessary auto insurance coverage. This plan is specifically designed to assist high-risk drivers by allowing them to apply for insurance through a state-managed program, ensuring they are legally able to drive and have the required coverage.

In contrast, turning to a high-risk insurance company may not always yield positive results, as it can vary depending on the individual's specific situation and the company's policies. Paying to drive uninsured poses significant legal and financial risks, as it is illegal to operate a vehicle without insurance in most states. Contacting the DMV might not provide direct assistance in terms of obtaining insurance coverage, which is the main concern for someone categorized as an Assigned Risk. Therefore, applying for coverage through the Virginia Automobile Insurance Plan stands out as the most effective and responsible course of action.