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Pafco focuses on non-standard auto insurance. This has enabled us to leverage Pafco's experience and ability to more accurately rate and underwrite for this market.

Pafco is now focused on meeting the needs of drivers with some prior mishaps, who are repenters aiming to improve their driving records in order to return to the standard market. We continue to work with our brokers to service these customers, many of whom continue to come to us from the Facility Association.