If you’re a Maryland resident struggling to find auto insurance, the Maryland Automobile Insurance Fund (MAIF) may be your solution. MAIF provides minimum coverage options when private insurers deny you policies. The special fund remains a vital source of care insurance for those who are unable to secure coverage elseware.
We are a MAIF auto insurance provider in Columbia, MD, ensuring 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
To be eligible for MAIF, you must meet specific criteria. You 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 to ensure you are complying 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 Additional Coverage Options
While MAIF primarily provides minimum liability coverage, it offers additional optional coverages to enhance 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 filing a claim with the My MD Auto fund, it is vital to have the necessary information ready. The information you will need includes the insured’s name, address, date of the accident, phone number, email, vehicle details, and contact information for any passengers or witnesses. The following steps will take place in the claims process:
- 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, including drivers, passengers, and witnesses, to gather accounts of the incident.
- If there are conflicting versions, the representative collects additional information, such as police reports, traffic laws, and pictures of the damage or accident, to determine the cause of the accident.
- Based on the facts gathered, the claims representative handles the claim accordingly.
Get a Free Quote From Your MAIF Auto Insurance Provider in Columbia, MD
As your MAIF Auto Insurance provider in Columbia, MD, we want to help you get back on the road today. To receive your FREE My MD Auto insurance quote online, see Get A Free Quote.