What is MAIF?

Maryland Auto Insurance and its Uninsured Division serve different purposes, even though people sometimes refer to both as MAIF.

MAIF STANDS FOR THE Maryland Automobile Insurance Fund. It is a government-sponsored auto insurance program for select drivers.

Most drivers won’t qualify for MAIF. That’s because it is essentially the last-resort insurance carrier. It issues auto liability and physical damage insurance to Maryland residents who cannot buy coverage on the private market due to a poor driving record, past cancellations, or rejections. It generally only applies to drivers whose insurance policy has been cancelled on them (for something other than non-payment), or to drivers who have been rejected coverage multiple times.

MAIF IS MEANT TO HELP DRIVERS BRIDGE THE GAP WHILE THEY IMPROVE THEIR RECORD.

If you are unable to secure auto insurance, MAIF may be an option for you, but it is normally quite expensive. It is designed for drivers to maintain coverage while past driving infractions remain on their record, and ensures all drivers in the state have some available coverage.

Applicants must document eligibility, past coverage or rejections, and reasoning. For coverage to apply, it is important to collect any related documents, such as police reports, medical records, or denial letters.

Speak with a professional to identify which coverage could help in your situation before submitting paperwork. If you would like to learn more, click here.

MAIF-UD IS A SEPARATE DIVISION FOR UNINSURED MOTORIST CLAIMS.

While part of the same government designation, MAIF-UD does not really relate to what’s been discussed. It pays certain claims for Maryland residents who are injured or suffer property damage caused by uninsured motorists or hit-and-run drivers. It only applies when no other insurance coverage is available.