The program offers private passenger auto policies for motorists who have been turned away by other insurers because of traffic violations or incidents on their driving record.
Most of the increase is to bodily injury liability coverage, which increased by 31.9 percent overall. Overall rates for property damage liability coverage increased by 20 percent overall. The average base rate, depending on location, for a policy with minimum bodily injury and property damage liability is $578 under the new rate structure, with premiums varying between $289 and $2,459 depending on driver class and location.
To qualify for TAIPA, the program requires a motorist to have been rejected by at least two other insurers. The program offers a maximum of $60,000 in bodily injury coverage per accident and $25,000 in property damage coverage. It also offers optional personal injury protection up to $2,500.