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MAIF Auto Insurance Provider Germantown, MD

MAIF Auto Insurance Protects Maryland Drivers

The Maryland Auto Insurance Fund (MAIF), also known as My MD, provides auto insurance coverage to residents of Maryland who cannot get it through private insurers. We are a MAIF auto insurance provider in Germantown, MD, that wants to help you drive legally again.

What is the Maryland Auto Insurance Fund (MAIF)?

MAIF auto insurance is a state-created program that provides car insurance coverage if you cannot get it privately. This organization was created in 1957 and has maintained its purpose of keeping drivers legally driving in Maryland. My MD Auto provides last-resort coverage for high-risk drivers who cannot obtain auto insurance elsewhere.

MAIF is essentially a private insurance company that sells car liability insurance to Maryland drivers who meet the requirements. It is a unique program that no other state offers.

MAIF auto insurance provider in Germantown, MD

My MD Auto Eligibility

MAIF auto insurance is regulated by the Maryland Insurance Commissioner. Basic eligibility includes being rejected by at least two private auto insurance providers. Also, suppose your automobile insurance was canceled or not renewed for reasons other than failing to make payments. In that case, you may qualify for My MD Auto.

To receive this type of insurance, you must reside in Maryland, be a licensed driver in Maryland, or have a current Maryland vehicle registration.

Reasons Why You May Not Be Able to Obtain Car Insurance in Maryland

  • Having a poor driving record with multiple offenses or accidents
  • Being considered a high-risk driver by private insurers
  • Several traffic violations
  • DUI/DWI convictions
  • At-fault accidents
  • Lapses in coverage
  • Poor credit history or score
  • Young or new driver

Your MAIF Auto Insurance Provider in Germantown, MD Can Help You Obtain the Minimum Requirements

Liability insurance is the minimum coverage required in Maryland. It covers bodily injury and property damage if you are at fault in a car accident. What liability insurance does not cover are damages to your car or self if you cause an accident. Liability insurance includes:

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $15,000 per accident

MAIF auto insurance will also provide you coverage for bodily injury and property damage in the event you are in an accident with someone uninsured or underinsured. Sometimes the at-fault driver is driving illegally and does not have car insurance at all. In other cases, the at-fault driver does not have enough coverage to cover your losses fully. Maryland requires the same minimum limits as liability coverage:

  • Bodily Injury: $30,000 per person / $60,000 per accident
  • Property Damage: $15,000 per accident

Advantages of MAIF Insurance

  • Legal Compliance: MAIF guarantees that all motorists in Maryland can fulfill the state’s mandatory auto insurance requirements, even if they cannot secure coverage through private insurance companies.
  • Accessible Coverage: MAIF offers an alternative for those who struggle to find insurance elsewhere due to factors like a poor driving record or high-risk elements, including multiple accidents or traffic infractions.
  • Support for High-Risk Drivers: By providing coverage, MAIF allows high-risk drivers an opportunity to enhance their driving records and eventually become eligible for standard auto insurance from private insurers.
  • Affordability: MAIF collaborates with authorized providers such as Roadway to deliver cost-effective insurance solutions. Roadway offers discounts for good driving practices, insuring multiple vehicles, and maintaining continuous coverage.
  • Flexible Payment Plans: MAIF and its affiliates help you choose the most suitable payment plan tailored to your individual needs, including installment plans with an initial down payment or paying the premium in full for a 5% discount.
  • Peace of Mind: Having MAIF insurance ensures that Maryland drivers are safeguarded in the event of an accident, collision, or non-collision incident, thus avoiding the stress and complications of being uninsured.

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

Call us today or get a free quote online. The quote will give you an estimate of the cost of your insurance coverage based on your specific needs and circumstances.


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