In the state where Susan lives,drivers whom private insurance companies do not want to insure are placed in a common pool,and each insurer pays its pro rata share of pool losses and expenses.A common policy is used for all high-risk drivers.Susan's state handles high-risk drivers through a(n)

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A joint underwriting association (JUA) is a mechanism used to provide insurance to individuals who are unable to obtain insurance in the regular market. It pools high-risk individuals, and all insurers in the state share in the profits and losses. This matches the description given, where drivers not wanted by private insurers are placed in a common pool, and each insurer pays its share of losses and expenses.

In the State Where Susan Lives,drivers Whom Private Insurance Companies