Your MAIF Auto Insurance Provider in Waldorf, MD helps cover drivers who struggle to find car insurance in the private market. This state-created insurance program in Maryland will get you back on the road fast. We offer different types of coverage so you can find the best choice for you. Understanding what MAIF is will help you know how it can benefit you.
Understanding MAIF’s Unique Position
Maryland Auto Insurance holds a specific role in Maryland’s car insurance landscape. MAIF, or Maryland Auto Insurance, is not like the standard insurers. The main differences include:
State-Created Insurance Provider
MAIF was established by the Maryland legislature in 1972 and began operations on January 1, 1973. It’s an independent state agency that provides auto liability insurance to Maryland residents who can’t obtain coverage in the private market.
Mission and Goals
MAIF’s primary mission is to reduce the number of uninsured drivers in Maryland. We offer coverage to drivers who have been rejected by at least two private insurers or had their insurance canceled for reasons other than failing to pay premiums.
Comparison with Standard Insurers
Unlike standard insurers, MAIF doesn’t compete in the open market. We serve as a temporary solution for uninsured drivers. Our goal is to ensure that every Maryland resident with a valid driver’s license has access to insurance coverage. This unique approach helps keep Maryland’s roadways safe and drivers legally insured.
MAIF Auto Insurance Coverage Details
Your Maryland Auto Insurance provider in Waldorf, MD, offers coverage options to meet Maryland’s minimum requirements. We also provide additional protection if you need it. This includes liability coverage with bodily injury and property damage protection. The minimum limits are $30,000 a person, $60,000 per accident for bodily injury, and $15,000 for property damage.
Personal Injury Protection (PIP)
PIP is an optional, no-fault coverage that give people immediate funds for medical bills and lost wages. It does not matter who causes the accident. It typically covers between $2,500 and $5,000, depending on the amount you choose.
Additional Coverage Options
We also offer several additional coverage options. MAIF Auto Insurance can provide you with collision insurance if you need it. This covers damage to your vehicle if you are in a wreck. Also, we offer comprehensive insurance for non-collision-related damages like theft or natural disasters. These options may be required for leased vehicles or anyone with outstanding loans.
The Maryland Auto Insurance Application Process
Applying for the Maryland Auto Insurance is easy. One of our agents will help you through each step. Please make sure you have all the required papers before you start.
Eligibility Check
We offer auto insurance to Maryland residents who can’t obtain it anywhere else. You must be a Maryland resident with a valid license or registration to qualify. Also, you must show proof that you have been rejected by two private insurers. If you meet these requirements, we will not turn you down.
Required Documentation
To apply, we’ll need your driver’s license to check your driving records. Please also show us your rejection letters as proof of being dropped by other insurance companies. Remember, we can’t cover you if you were dropped for non-payment.
Steps to Apply Online or In-Person
You can apply through one of our My MD Auto agents, online, or at one of our office locations. We’ll review your eligibility and help you through the process. Our goal is to ensure all Maryland drivers have access to insurance, keeping our roads safe and drivers legally covered.
Get a Free Maryland Auto Insurance Quote Today
MAIF Auto Insurance Provider offers a unique solution for Maryland drivers who struggle to find coverage. By providing coverage to high-risk drivers and those rejected by private insurers, MAIF helps ensure that all eligible Maryland residents have access to auto insurance, making the roads safer for everyone. Get your free quote today and get back on the road.