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The USA Automobile Insurance Plan (sometimes called assigned risk) assures the availability of coverage for everyone. Under this plan, companies write policies for persons who are not insurable through the regular channels. The qualifications for the plan are: evidence that you have been declined or refused through the regular channels; full and honest completion of the application; a current driver’s license; payment of premium; and satisfactory arrangements for payments owed on any previous auto insurance.

Since one of the top reasons for becoming disabled is getting hurt on the job, it is not surprising that the second-most important form of disability insurance is that provided by employers to cover their employees. There are several subtypes that may or may not be separate parts of the benefits package: workers' compensation and more general (but very basic) disability insurance policies.