Facility Association is a non-profit organization that ensures the availability of automobile insurance to high-risk drivers in several Canadian provinces and territories. It acts as an insurer of last resort, providing coverage through residual market mechanisms and risk-sharing pools. Services include administering uninsured automobile funds and underwriting information plans. The target audience is high-risk drivers who cannot obtain insurance elsewhere. The unique selling proposition is providing essential insurance coverage to those who might otherwise be uninsured, maintaining market stability and reducing uninsured motorists. This helps law-abiding citizens avoid financial burdens from accidents with uninsured drivers[1][2][3].