Driving without auto insurance in Maryland is illegal and can result in severe penalties. However, many drivers cannot obtain 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 are a Maif Auto Insurance Provider in Easton, MD for those 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 are committed to helping Maryland drivers get back on the road.
It is best to think of the Maryland Automobile Insurance Fund as the insurer of last resort in Maryland. For Maryland drivers, they 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 including:
- Maryland residency
- Valid driver’s license
- Own a vehicle
- Proof of denied auto insurance coverage
We ask that you provide proof of denied coverage from at least two regular insurance companies. In addition to that, we will need several other documents. We will need a copy of your driver’s license and vehicle title or registration.
My MD Auto Insurance is a last resort, a temporary solution. You should improve your driving record to be eligible for coverage through a regular insurance company.
Premiums for MAIF coverage are typically higher than those from traditional insurers due to the higher risk associated with the covered drivers.
How Do I Obtain MAIF From Roadway Auto Insurance Agency?
- Contact Roadway Auto Insurance Agency: Reach out to us so we can help you through the application process and understand the specific requirements.
- Gather necessary documents: This includes proof of identity, proof of residency, proof of vehicle ownership, and your driving history. You will also need documentation to show that you have been denied coverage by at least two regular insurance companies.
- Complete the application: Fill out the MAIF application form accurately and honestly. Provide all the information they request, including your personal details, vehicle information, and driving history. Double-check the form for completeness and accuracy before you submitt it.
- Pay the premium: Once your application is reviewed and approved, you will receive a premium quote from MAIF. The premium is the cost you need to pay for the coverage. MAIF offers various payment options, including lump-sum payments or installments. Ensure you pay the premium within the specified time frame to activate your coverage.
- Obtain your insurance card: After paying the premium, MAIF will provide you with an insurance card as proof of coverage. Make sure to carry this card with you whenever you are driving.
- Maintain coverage: It’s essential to maintain continuous coverage with MAIF. Pay your premiums on time to prevent any lapses in coverage. MAIF may periodically review your eligibility, so it is vital to meet the ongoing requirements.
Contact us today if you would like to learn more about getting car insurance through the Maryland Automobile Insurance Fund.
If you meet these requirements, we can provide you with cheap auto insurance today. Even if you have a bad driving record or multiple offenses, we will cover you with a My MD Auto Policy. Get a Quote for My MD Auto here.