It is illegal to drive a vehicle in the state of Maryland without minimum coverage. However, many drivers cannot get traditional car insurance for various reasons. Suppose you are a driver in Maryland and cannot get auto insurance coverage. In that case, a My MD Auto (formally called the Maryland Auto Insurance Fund) policy is right for you. We are a MAIF auto insurance provider in Silver Spring, MD, and we can help you legally get back on the road.
What is MAIF and Why Do I Need it?
The Maryland Auto Insurance Fund is a state-run program that helps to provide car insurance to certain Maryland residents who qualify. People who cannot obtain automobile insurance through traditional means can get coverage with MAIF insurance. This program promotes safer driving conditions and protection for all road users.
This type of insurance was started to ensure that all drivers have access to the legally required insurance. Essentially, MAIF serves as a vital safety net for those who may be considered high-risk or have a history of accidents or traffic violations.
Obtaining insurance can be difficult and expensive for individuals labeled as ” bad drivers” due to past infractions. MAIF offers a solution by providing these drivers with the necessary coverage to legally operate their vehicles on the road. If you are a high-risk driver or have one too many speeding tickets, you will qualify for My MD Auto insurance.
Qualifying for a My MD Auto Policy
You must meet a few vital requirements to qualify for coverage under My MD Auto (formally called Maryland Auto Insurance Fund). For every one that we list, you will need to supply the proper documents as proof.
- You have a valid Maryland driver’s license, which we will need to see as proof.
- You can prove you are a Maryland resident by providing a utility bill, lease agreement, or other official document listing your Maryland address.
- Furnish a copy of your vehicle’s registration to establish ownership and confirm that the car is legally registered in the state.
- Submit any prior insurance information. This includes proof that at least two companies deny coverage for you.
- A thorough driving history report is also necessary, as we will evaluate your driving record.
By compiling these documents and meeting the criteria, you can streamline your application process for your MAIF auto insurance provider in Silver Spring, MD
How Can I Save Money with MAIF Auto Insurance?
Saving money with the Maryland Auto Insurance Fund (MAIF) is easier than you think and you can achieve it several ways. We can offer a variety of discounts that can significantly reduce your premiums.
Our Maryland Auto Insurance Fund discounts include features such as safe driver discounts, multi-vehicle discounts, and even reduced rates for drivers who complete defensive driving courses. Also, if you have a clean driving record and opt for higher deductibles, these can also lead to more savings.
We highly suggest reviewing and updating your policy regularly. When you review your policy often, you can make sure the policy meets your current needs without unnecessary coverage and prevents overpaying.
By taking advantage of these discounts and strategies that will lower your cost, you can manage and minimize your auto insurance expenses with MAIF.
As an MAIF provider online, we can help you find a payment plan that works for you and gets you back on the road. Your MAIF auto insurance provider in Silver Spring, MD will find the lowest rates available and see if you qualify for discounts. To receive a free MAIF auto insurance quote, see Get A Free Quote.