Which class of insureds would not qualify for coverage under the Hawaii joint underwriting plan?

The correct response is that a person who allows the neighbor to use that covered auto would not qualify for coverage under the Hawaii joint underwriting plan. This plan is specifically designed to provide coverage to individuals who are unable to obtain it through standard insurance markets due to a range of risk factors.

In the context of this plan, the eligibility criteria often focus on the insurance history and driving record of the primary insured. Allowing another person to regularly use the covered auto introduces additional risk that is not accounted for under the standard terms of individual coverage within the plan. Such scenarios may complicate underwriting and liability considerations, which is why this individual might be disqualified.

By comparison, individuals with multiple vehicles, those possessing a valid driver’s license, and individuals who have had previous insurance coverage typically meet the eligibility criteria outlined in insurance guidelines. They represent a variety of standard risks or previous insurance dealings that do not inherently increase the insurer’s risk profile.