What is usually the main purpose of the VAIP for high-risk drivers?

The main purpose of the Virginia Alternative Insurance Program (VAIP) is to ensure that high-risk drivers have access to insurance coverage. This program is specifically designed for individuals who have difficulty obtaining auto insurance in the traditional marketplace due to their driving history or other risk factors. By providing a mechanism for these drivers to secure insurance, the VAIP aims to promote responsible driving and ensure that all drivers have the necessary coverage in compliance with the law. This is particularly important as it helps maintain legal and financial protection for drivers, passengers, and other road users.

Other options, while they may touch upon related aspects of insurance, do not encapsulate the primary role of the VAIP as clearly. The program does not directly offer free insurance, guarantee reduced premiums, or primarily focus on improving driving records, which are separate concerns in the realm of driver safety and insurance.