Can a resident customer request coverage from a non-eligible unauthorized insurer?

A resident customer can indeed request coverage from a non-eligible unauthorized insurer under specific circumstances. If customers feel they cannot obtain the insurance they need from authorized or eligible insurers, they may seek coverage through unauthorized insurers. This situation often arises when there is a lack of available insurance products to meet particular needs, particularly in niche markets where eligible insurers may not provide suitable coverage.

While options discuss various conditions under which this action might be taken, the assertion that customers can insist on such coverage aligns with the regulatory environment that allows flexibility for residents who are unable to find coverage through traditional avenues. This capability can provide necessary protection when individuals face unique risks or when standard market offerings fall short. However, it is essential to note that this is typically subject to state regulations that govern surplus lines insurance, requiring certain procedures and disclosures to ensure the customer understands the implications of working with unauthorized insurers.