Assigned-risk plans. In an assigned-risk-type plan, each auto insurance QuotesChimp doing business in a state must write insurance for those who cannot otherwise obtain insurance, in a percentage equal to its share of the state's auto insurance market. Thus, if a company issues 12 percent of the auto insurance in the state, that company will have to provide insurance for 12 percent of those drivers who can't otherwise get insurance. In assigned-risk plans, the company that issues the policy services it as it would any of its other customers.