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MAIF Auto Insurance Provider Columbia, MD

As a driver in Maryland, you must ensure your safety and that of others on the road. One crucial step towards achieving this is to obtain a reliable auto insurance policy. The Maryland Automobile Insurance Fund (MAIF) is a good option for Maryland residents.

While MAIF operates similarly to private auto insurance, only certain people need this coverage. Also known as My MD Auto, the Maryland Automobile Insurance Fund offers car insurance coverage for Maryland drivers who need help securing it privately. We are a MAIF auto insurance provider in Columbia, MD, providing the basic insurance needs of Maryland drivers.

MAIF auto insurance provider in Columbia, MD

Who Qualifies for MAIF?

To qualify for MAIF insurance, you must meet a certain set of requirements. Not everyone should apply for MAIF as it is considered the insurer of last resort for drivers in Maryland who are denied traditional policies.

To qualify for MAIF auto insurance, you must have been rejected by at least two private insurers or have your automobile insurance canceled or not renewed. The reason cannot be for nonpayment of premiums.

Drivers lose their coverage or cannot obtain it for several reasons. It is typically due to high-risk behavior or having specific high-risk attributes. This could include:

  • Several traffic violations
  • DUI/DWI convictions
  • At-fault accidents
  • Lapses in coverage
  • Poor credit history or score
  • Young or inexperienced driver

While My MD Auto is like other insurance companies, it is subject to regulations by the Maryland Insurance Commissioner.

What is the Purpose of My MD Auto?

MAIF provides minimum liability options when private insurers deny policies. The main purpose of MAIF is to ensure that all drivers have access to the mandatory auto insurance coverage required by state law. My MD Auto helps to promote safe driving and financial responsibility. This public auto insurance option helps to reduce the number of uninsured drivers on the road and protects all road users.

What minimum auto insurance coverage is required in Maryland?

In Maryland, the law requires drivers to have at least $30,000 in coverage for bodily injury per person, $60,000 for bodily injuries per accident, and $15,000 for property damage. Drivers can purchase additional coverage beyond these minimums.

Applying for MAIF Auto Insurance

You must have all the required paperwork to apply for My MD Auto at Roadway Auto Insurance Agency. Before you start the process, be sure to have all the necessary documents ready to go. These include your Maryland driver’s license, vehicle registration papers, proof that you were denied auto insurance coverage from two private insurers, and your driving record.

Visit Roadway Auto to fill out the application for MAIF car insurance. You can apply including online, over on the phone, or by visiting our Columbia location where one our our authorized MAIF agents can assist you. These agents know MAIF’s offerings and can provide personalized guidance to help you select the coverage that best meets your needs. They’ll also assist with completing and submitting your application, making the process as hassle-free as possible.

Once your application has been evaluated and accepted, MAIF will send you a premium quote. The premium is the amount you have to pay for the coverage. MAIF provides a variety of payment methods, including lump sum payments and installments. To activate your coverage, ensure you pay the premium within the given term.

Get a Free Quote From Your MAIF Auto Insurance Provider in Columbia, MD

The Maryland Automobile Insurance Fund (MAIF) was established to provide auto insurance to Maryland residents who need help obtaining it through the private market. Get a free quote today to find out how much your policy will cost. Give us a call or get a free quote online. The quote will estimate the cost of your insurance coverage based on your specific needs and circumstances.

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