MAIF Insurance Application And Claim Processing

By Tammie Caldwell


There is a need to insure your vehicle so that in case of accidents, you and your damaged car will be covered. This is a way for you to minimize hospital payments or even spend nothing at all. On the other hand, if you are proven to have driven recklessly, you will not be able to carry all the burden for paying the other person involved.

There will be penalties if you do not have the papers. It will differ from state to state. In Mount Rainier, Maryland for example, the government requires the residents to get their insurance. Otherwise, they will be charged under the Maryland State Legislature. They will pay damages to the state and will also be fined with other payments. MAIF Insurance is the independent contractor for the state which primary function is to process everything that concerns the vehicles registered in the area.

The agency can impose penalties if your vehicle is not registered nor insured. They need to make sure of that because there had been accidents in which vehicles and drivers were not insured. Some of them ended up penniless because they cannot make their claims.

You must register and insure immediately before driving. MAIF means Maryland Automobile Insurance Fund. There are private insurance funds in the state as well but if their application has not been approved in those private firms, MAIF will be the one to process that for them.

The state is imposing strict rules in for vehicle owners because they want to make sure that every resident is covered in case there is an accident. Once you have the proper papers and documents, you can easily contact the police and report what had happened. In case you are involved in such incidents, you may call the police immediately as the first step for processing claims.

The state has a reason to be really strict in imposing this law. They are after the welfare of every motorist in town. If ever you get involved in an accident, you are assured that you will not be able to pay really high costs for repair of your car and for you hospitalization of you get injured.

Gathering of evidence is also another way to make the claim valid. If possible, put a camera on your dashboard while on the road. Unpredictable accidents will be recorded, which will be your very own evidence. But if you do not have any, you may ask authorities to search for surveillance cameras around the area.

Then you need to report also to the hotline number of MAIF so that they will be notified ahead and make arrangements to process the claim as soon as possible. An agent will explain what other requirements are needed. After all the requirements have been submitted and assessed, then you can receive the claim.

Agents will process your claim if all the compulsory requirements have been submitted. But you will have to call their hotline number to make sure the process is done quickly and without unnecessary delays. The agents will explain what other things you need to do and how the claim is processed.




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