Getting auto insurance can be tough for many Maryland drivers, especially those with bad driving records or special circumstances. The Maryland Automobile Insurance Fund (MAIF) is a safety net for drivers who can’t get traditional auto insurance. This state program makes sure all eligible drivers have the required insurance. We are a MAIF auto insurance provider in Glen Burnie, MD for drivers who can’t get coverage elsewhere.
What is MAIF and Who Qualifies?
The Maryland Automobile Insurance Fund was created in 1972. It’s a state-created insurance company that ensures coverage for all eligible drivers. This type of auto insurance was rebranded as Maryland Auto Insurance. Now this independent agency operates without state funding, it’s self-sustaining through premiums and operating revenues.
What makes this organization unique is it’s a transitional solution not a competitor to standard insurers. Unlike what most people think, Maryland Auto Insurance isn’t just for high risk drivers. 60% of their policyholders have clean driving records with 0 or 1 point on their licenses.
To qualify for Maryland Auto car insurance, applicants must meet the specific requirements:
- Be a Maryland resident with valid state driver’s license
- Own a vehicle registered in Maryland
- Provide proof of rejection from at least two private insurers
- Have no outstanding premium payments to Maryland Auto
- Face insurance cancellation for reasons other than non-payment
With over 1,400 agents throughout Maryland, your MAIF auto insurance provider in Glen Burnie, MD ensures drivers have access to coverage. The main goal is to reduce the number of uninsured motorists and provide a path for drivers to get back into standard insurance markets.
MAIF’s Role in Maryland’s Auto Insurance World
As part of Maryland’s insurance landscape, Maryland auto insurance operates differently than traditional insurers. Private insurance companies may avoid high risk drivers, this type of car insurance is the insurer of last resort, so coverage is available to all eligible Marylanders.
Coverage and Limits
Knowing the insurance requirements is key for Maryland drivers. The state of Maryland requires specific minimum coverage levels for every car owner. The basic insurance requirement, often written as 30/60/15, is broken down into three parts:
- Bodily Injury Liability: $30,000 per person/$60,000 per accident
- Property Damage Liability: $15,000 per accident
- Personal Injury Protection (PIP): $2,500 minimum
In addition, Maryland Auto offers several optional coverage to add extra protection. These include collision coverage for vehicle damage in accidents, comprehensive coverage for non-collision events like theft or weather damage and additional PIP coverage above the minimum.
My MD Auto car insurance offers flexible payment options to make coverage more affordable. Drivers can pay in full and get an 8% discount or choose monthly installment plans with down payments as low as 10%. Unlike traditional insurers, Maryland state auto insurance through MAIF doesn’t consider credit score or education when setting premiums, only driving history and vehicle type.
For extra protection, MD Auto offers additional options like rental reimbursement and towing coverage. These can be especially valuable for drivers who use their vehicles daily.
MAIF Auto Insurance Provider in Glen Burnie, MD
Maryland Auto provides drivers in Maryland customized options to meet various coverage needs and budgets. From basic liability protection to comprehensive coverage choices, this type of coverage helps drivers understand their insurance requirements and navigate the application process. To find out if you quality and to get a free quote, see MAIF Quote.