Final answer:
The FAIR Plan is available for individuals who face high insurance risks due to factors like location or property conditions and is not for issues like non-payment or a lack of driving history. The correct option is a. insured's who fall in the areas that are not reasonable risks or too expensive to insure profitably
Step-by-step explanation:
Individuals who can purchase insurance through the FAIR Plan (Fair Access to Insurance Requirements) typically are those who have difficulties obtaining insurance in the regular market due to high risks associated with their properties or themselves.
Specifically, the FAIR Plan is designed for insured individuals who fall into areas that are not reasonable risks or are too expensive to insure profitably. This can include people living in high-risk areas for natural disasters or properties that are considered high-risk due to construction issues, location, or past claims history.
It is not intended for those unable to obtain insurance for reasons such as non-payment of premiums or drivers with little to no driving history. Therefore, the correct answer to the question 'Who can purchase insurance through the fair plan?' is a. insureds who fall in the areas that are not reasonable risks or too expensive to insure profitably.
The correct option is a. insured who fall in the areas that are not reasonable risks or too expensive to insure profitably.