Residual Markets & Personal Lines
If a personal lines risk, as defined in subsection (a), (b), or (c) of Section 143.13 of the Insurance Code, is declined by three licensed companies but is eligible for residual market (FAIR Plan, Auto Plan) coverage, it must be placed with the residual market unless the insured is seeking coverage or limits that the residual market does not offer.
If there is any primary personal lines auto or homeowners coverage, you probably need to place it with a residual market (Auto Plan, FAIR Plan). See Bulletin #25, paragraph 2c.