All of the following are eligibility criteria for applicants in the CAARP EXCEPT:

The California Automobile Assigned Risk Plan (CAARP) is designed to provide auto insurance coverage to drivers who may have difficulty obtaining coverage through the standard market. Understanding the eligibility criteria is vital for recognizing who qualifies for coverage through the CAARP.

The statement that eligibility excludes anyone who does not owe money on any automobile insurance policy within the last 18 months is correct because the CAARP actually focuses on the last 12 months when determining eligibility in this context. Drivers applying for coverage must not have any outstanding debts on automobile insurance policies for that specific timeframe.

In contrast, the other criteria highlight the focus on a clean driving record, continuous insurance coverage, and the criteria regarding debts within the last 12 months, which are relevant in assessing an applicant's eligibility for the CAARP. Recognizing the correct timeframe is key to understanding how eligibility is determined in this specific plan.