JUA: Does Insured Know

There was a forum question about whether an insured is aware when their policy has been forwarded to a Joint Underwriting Association. The source text does not comment, but there are 2 old exam questions where this came up:

E (2018.Spring #6)

E (2015.Spring #8)

The first sample answer for part (b) of the 2018 problem is:

• If a high risk applicant applies, a broker forwards the risk to the JUA. Servicing carrier writes and services policy and handles the claims. The consumer doesn’t know that he/she has been rejected. Premium and loss is allocated based on market share in voluntary market.

The fourth sample answer for part (b) of the 2015 problem is:

• “In both the insured may not be aware of placement.”   ← refers to similarity between a JUA and RF (Reinsurance Facility)

I am assuming that these answers were given full credit.