Who would be ineligible for coverage under the Florida Automobile Joint Underwriting Association?

The eligibility criteria for coverage under the Florida Automobile Joint Underwriting Association (FAJUA) are designed to provide insurance options for individuals who have difficulty obtaining coverage through standard insurance markets. Typically, individuals with poor driving records, like those with multiple DUIs, face challenges in being eligible for traditional insurance policies due to the increased risk they present.

In this scenario, the college student from Alabama, who has two DUIs, would struggle to meet the underwriting standards set by insurers. This individual represents a higher risk category because DUIs are significant indicators of unsafe driving behavior. Therefore, being a transient resident from another state with such a history of traffic violations makes them ineligible for coverage under FAJUA, which primarily serves those who are unable to secure coverage from other commercial insurers but still need to demonstrate a level of insurability.

The other options represent individuals who either have clean driving records or meet other criteria that would generally make them eligible for standard insurance coverage, thereby supporting their acceptance into risk pools that FAJUA would typically cover.