Traditional insurance companies might not work for everyone. However, Maryland drivers have MAIF, a practical solution to attaining auto insurance. This type of coverage is available for drivers who have been denied coverage by two insurance companies and had their policies canceled. If you are a high-risk driver in Maryland, your MAIF auto insurance provider in Bowie, MD can help you get legally insured and back on the road.
What is the Maryland Auto Insurance Fund?
The Maryland Automobile Insurance Fund (MAIF), also known as Maryland Auto Insurance or My MD Auto, acts as Maryland’s last resort auto insurer. The organization started its mission to provide auto liability insurance to Maryland residents who can’t get car insurance from private companies.
MAIF runs as an independent state agency but works just like regular auto insurance companies. You’ll find liability coverage, property damage protection, and coverage for uninsured/underinsured motorists. On top of that, it protects your vehicle against theft, fire, and other non-collision damages through comprehensive and collision insurance options.
My MD auto is not just for people with bad driving records. We also serve people whose insurance got canceled due to coverage gaps or credit problems.
Do I Qualify for MAIF Auto Insurance in Bowie, Maryland
As your MAIF auto insurance provider in Bowie, MD, we provide you with a safety net when you struggle to find coverage. Standard insurers might turn you down, but that doesn’t mean you have to drive without car insurance. The qualification process for this state’s insurance option becomes much smoother once you understand it properly.
Eligibility requirements for Maryland drivers
To be eligible for Maryland auto insurance, you must meet specific criteria for coverage. Maryland’s Automobile Insurance Fund follows state regulations with clear eligibility guidelines:
- Be a resident of Maryland
- Hold a valid Maryland driver’s license or have a vehicle registered in the state
- Have been turned down by at least two private insurance companies for reasons other than non-payment of premiums
- Alternatively, have had your auto insurance canceled or not renewed by a provider (for reasons other than non-payment)
- Not owe any unpaid premium to Maryland Auto
These requirements exist because MAIF was designed to be the state’s insurer of last resort. It provides coverage to those who can’t get it through standard channels. So, MAIF doesn’t discriminate based on driving history or accidents.
The Documents to Need to Apply for Maryland Auto Insurance
Applying for My MD Auto through your MAIF auto insurance provider in Bowie, MD is easy. We ask that you provide a few documents to verify your eligibility.
You’ll need to prepare:
- Your valid Maryland driver’s license
- Vehicle title or registration documents
- Proof of insurance denial from at least two private carriers (usually in the form of denial letters)
- For vehicles over 20 years old, additional documentation may be required as these vehicles generally qualify only for liability coverage
Once you are ready, applying for Maryland Auto Insurance is easy. Local agents in Bowie, Maryland work directly with MAIF to check driving records and verify eligibility. They can access your history and determine if you qualify for coverage under Maryland’s insurance-of-last-resort program.
Roadway Auto is here to make sure you can legally drive. We will provide you with the most affordable coverage and payment plans that work for you. Get your free auto insurance quote today.
To get started today with your FREE My MD Auto insurance quote online, see Get A Free Quote.