Michigan auto insurance Options?
Michigan auto insurance is guaranteed by Michigan law to all drivers through the Michigan Auto Insurance Placement Facility (MAIPF). If an insurer says you are ineligible for coverage with their company, ask the agent to submit your application to the MAIPF. Rates may be higher than what a regular company may charge, but if you maintain your policy and your driving record improves, you will be able to move to a traditional Michigan auto insurance policy.
Michigan created the Michigan Automobile Insurance Placement Facility to guarantee that automobile insurance coverage will be available to any person who is unable to get insurance through regular companies. Although the MAIPF was created by Michigan laws it’s not actually a government program, but rather a State Pool that spreads costs and servicing of high-risk applicants across the 3 auto insurance companies.
Michigan Auto insurance rates are higher through the (MAIPF)
Michigan auto insurance rates are higher, however, there are limits to how much an auto insurance company can charge you. Auto insurance carriers for MAIPF
Once approved the Michigan Auto Insurance Placement will notify you of which company will be the provider of your auto insurance policy. Currently, the 3 auto insurance companies that are the servicing providers for MAIPF will be listed below.
- State Farm
- Auto Club Insurance Association
- Auto-Owners Insurance Company
Who is eligible for the Michigan Auto Insurance Placement Facility?
Any driver who is denied coverage through the voluntary car insurance market may be eligible for the MAIPF program. Reasons that you may be ineligible for a traditional auto insurance company are:
- Your driver’s license is suspended or revoked.
- You have too many tickets on your record.
- You have too many at fault accidents on your record. (usually, this will be 2 at fault accidents)
- You have not maintained current insurance on your automobile in excess of 39 days.
- You have been convicted of trying to defraud an insurance company or have been denied payment of a claim over $1,000 because of fraud.
- Within the past three years, you have been found guilty of a felony with a motor vehicle.
- Within the past three years, you have been convicted of driving under the influence of alcohol or drugs.
- Failing to stop at the scene of an accident or cited for reckless driving.
- The car you want to insure does not meet Michigan safety requirements.
Who to contact if you are denied Michigan auto insurance:
Finally, complete details on how you can get auto insurance coverage are provided on the MAIPF website located maipf.org or by visiting a licensed Michigan auto insurance agent.