Driving without auto insurance in Maryland is illegal and can result in severe penalties. But many drivers can’t get coverage through your typical insurance agents. If you have difficulties getting coverage from private insurers, you may be eligible for My MD Auto, formally known as the Maryland Automobile Insurance Fund (MAIF). We’re a Maif Auto Insurance Provider in Easton, MD for drivers who need to get back on the road.
What is MAIF – The Maryland Automobile Insurance Fund?
The Maryland Automobile Insurance Fund (MAIF) is a state-run insurance program that provides auto insurance to drivers who can’t obtain coverage through traditional insurance companies. Some drivers in Maryland are uninsurable in the regular insurance market due to their driving history or other factors. MAIF was established to ensure that even these drivers have access to affordable auto insurance. Roadway Auto Insurance is a MAIF Auto Insurance Provider in Easton, MD. We’re here to help Maryland drivers get back on the road.
It’s best to think of the Maryland Automobile Insurance Fund as the insurer of last resort in Maryland. Maryland drivers can still obtain car insurance when other insurance companies refuse to provide coverage.
It serves as a safety net for high-risk drivers who may have multiple accidents, traffic violations, a poor credit history, or other circumstances that have made them ineligible for coverage from standard insurance companies.
Am I Eligible for MAIF?
Roadway Auto Insurance will help you determine your eligibility for MAIF insurance coverage. Various factors will decide if you qualify:
- Maryland residency
- Valid driver’s license
- Own a vehicle
- Proof of denied auto insurance coverage
We ask that you show proof that at least two regular insurance companies have denied your coverage. This helps us understand that you have tried other options first. We’ll also need some other important documents from you. Please provide a copy of your driver’s license and either your vehicle’s title or its registration. These papers help us confirm your identity and the details about your car.
My MD Auto Insurance is meant to be a last choice or a temporary fix for people who can’t get insurance anywhere else. It’s important that you work on improving your driving record. Once your record gets better, you may qualify for coverage through a regular insurance company. Premiums for MAIF coverage are typically higher than those from traditional insurers because of the higher risk associated with the covered drivers.
How Do I Get MAIF From Roadway Auto Insurance Agency?
If you’ve had trouble getting car insurance from regular companies, you may qualify for coverage through MAIF. Roadway Auto Insurance Agency can help guide you through each step of the process to make it as easy as possible. You can get coverage after several steps:
- Contact Roadway Auto Insurance Agency: First, reach out to us! We’ll walk you through everything you need to know and help you understand the requirements. Our goal is to make the process simple and clear.
- Gather documents: You need your proof of identity, proof of residency, proof of vehicle ownership, and your driving history. You’ll also need documentation to show that you have been denied coverage by at least two regular insurance companies. These documents help show that you qualify for MAIF coverage.
- Complete the application: Fill out the MAIF application form accurately and honestly. Provide all the requested information, including your personal details, vehicle information, and driving history. Double-check the form for completeness and accuracy before you submit it.
- Pay the premium: You’ll get a premium quote from MAIF once we review and approve your application. The premium is the cost you need to pay for the coverage. MAIF offers various payment options, including lump-sum payments or installments. You need to pay the premium within the specified time frame to activate your coverage.
- Get your insurance card: Once you pay your premium, MAIF will give you an insurance card. This card shows that you have insurance. Keep it with you whenever you drive, just like your driver’s license.
- Maintain coverage: You want to maintain continuous coverage with MAIF to avoid gaps in your insurance. Pay your premiums on time to prevent any lapses in coverage. MAIF may check from time to time to make sure you still qualify, so it’s important to keep up with their rules and requirements.
Get a Free Quote
Contact us today if you want to learn more about car insurance through the Maryland Automobile Insurance Fund. If you meet our requirements, we can provide you with cheap auto insurance today. Even if you have a bad driving record or multiple offenses, we’ll cover you with a My MD Auto Policy. Get a Quote for My MD Auto here.