If you’re a Maryland resident struggling to find auto insurance, the Maryland Automobile Insurance Fund (MAIF) may be your solution. MAIF offers minimum coverage options when private insurers deny you policies. The special fund remains an important source of care insurance for those who can’t get coverage elsewhere.
We’re a MAIF auto insurance provider in Columbia, MD that helps all motorists have the minimum car insurance they need to drive. The Maryland Auto Insurance Fund, known as My MD Auto, is available to all Maryland drivers who cannot obtain care insurance through traditional insurance providers.
Who is Eligible for My MD Auto?
You must meet specific criteria to be eligible for MAIF. You need to have been rejected by at least two private insurance companies or had your existing policy canceled or not renewed for reasons other than non-payment of premiums. The purpose of the My MD Auto fund is to serve as a last resort for drivers who cannot get regular insurance.
You Must Carry the Minimum Coverage to Operate a Vehicle in Maryland
Maryland law mandates that all registered motor vehicle owners maintain basic primary coverage. MAIF offers several policies that meet these minimum requirements and to ensure you comply with state regulations. The minimum requirements to drive a car in Maryland include:
- $20,000/$40,000 bodily injury liability
- $15,000 property damage liability
- $2,500 economic loss coverage
We Offer More Coverage Options
While MAIF primarily provides minimum liability coverage, it also offers optional coverage for your protection.
- Uninsured/Underinsured Motorist: Minimum limits of $30,000 per person/$60,000 per accident for bodily injury and $15,000 for property damage
- Medical Payments: Covers medical expenses for you and your passengers
- Rental Reimbursement: Provides a rental vehicle while your car is being repaired or replaced
- Transportation Expense: Covers alternative transportation costs during repairs
- Towing and Labor: Covers towing and labor costs in the event of a breakdown
- Mechanical Breakdown: Offers protection against mechanical failures
Filing a Claim with MAIF
When you file a claim with the My MD Auto Fund, you want to have the right information ready. You want a smooth process and ensure nothing is left out. Some of the details you need include the insured person’s name, address, date of the accident, phone number, email, and vehicle information.
ou should also provide the contact details of any passengers or witnesses who were involved. Once you report a claim, here’s what happens next:
- After you report a claim, a claims representative is assigned to investigate the accident.
- The representative reviews the insurance policy and determines the damages or injuries covered.
- They contact all parties involved, which includes drivers, passengers, and witnesses, to gather accounts of the incident.
- If there are conflicting versions, the representative collects additional information like police reports, traffic laws, and pictures of the damage or accident, to determine the cause of the accident.
- The claims representative handles the claim based on the facts.
Our goal is to make sure you get the coverage you need. You can avoid large expenses out of pocket after an accident when you file a claim. The My MD Auto Fund is here to protect you, your passengers, and your vehicle. We want you to move forward with confidence.
Get a Free Quote From MAIF
As your MAIF Auto Insurance provider in Columbia, MD, we want to help you get back on the road today. To get your FREE My MD Auto insurance quote online, see Get A Free Quote. Let our team know if you have any questions. We’ll be happy to help you.