In Maryland, having auto insurance isn’t just a good idea; it’s the law. But not everyone can easily obtain coverage through traditional channels. The Maryland Automobile Insurance Fund was established in 1972 for drivers who fall through the cracks of the private insurance market. As your MAIF auto insurance provider in Towson, MD, we’ll help you obtain basic auto insurance so you can legally drive.
Who Qualifies for My MD Auto?
If you want coverage, but aren’t sure if you’re the best candidate, we’re here to help. You need to meet several qualifications to get My Maryland Auto insurance. Roadway Auto is here so you can get back on the road.
Drivers Who Can’t Get Private Insurance
MAIF primarily serves Maryland residents whom standard insurance companies have turned down. To get MAIF coverage, you must show that at least two regular insurance companies have refused to insure you, or that your policy was canceled or not renewed for a reason other than not paying your bill.
MAIF is a special insurance program created by the state of Maryland. It doesn’t compete with regular insurance companies. Instead, it acts as Maryland’s official “last resort” for drivers who can’t get coverage anywhere else.
Common Reasons for Denial or Cancellation of Auto Insurance
Private insurers reject applicants for various reasons. Most of the reasons have to do with their business models and risk assessment. The most common factors include:
- Poor driving records – Multiple speeding tickets, serious traffic violations, or a history of accidents
- DUI/DWI convictions – These significantly increase your risk profile
- License suspensions – Prior suspensions flag you as high-risk
- Multiple recent accidents – Particularly those where you were at fault
- Poor credit scores – Many insurers use credit-based insurance scores in their underwriting
Why MAIF is Important for Maryland Roads
The Maryland Automobile Insurance Fund plays a crucial role in the state’s transportation ecosystem. When Maryland created the liability insurance laws for vehicles, lawmakers needed a way to ensure all drivers could comply with these requirements.
Your MAIF auto insurance provider in Towson, MD ensures you have the liability coverage you need based on these laws. We can help protect you even if you’re a high-risk driver. This protection extends beyond the covered drivers. It also benefits all road users by reducing uninsured motorist claims.
By providing coverage when others say no, your MAIF auto insurance provider will keep Maryland’s roads safer and ensure that even those with troubled driving histories can maintain their legal right to drive.
Get a Free Quote From Your MAIF Auto Insurance Provider in Towson, MD
My MD Auto was established to provide auto insurance to Maryland residents who cannot obtain it through the private market. Get a free MAIF quote today to determine how much your policy will cost. Give us a call or get a free quote online. The quote will give you an estimate of how much your insurance coverage will cost based on your specific needs and circumstances.