Effective January 1, 1981, the Essential Insurance Act of 1979 change the placement facility from an assigned risk plan to a joint underwriting association (JUA). A JUA is a pooling mechanism under which a limited number of Michigan automobile insurance companies act as servicing carriers. Michigan auto insurance companies pay JUA administrative and operating costs in proportion to their market share.
Four Insurance Companies serve as (MAIPF) servicing carriers, Three for private passenger business and one for commercial. The three private passenger carriers are Auto Club Insurance Association, Auto-Owners Insurance Company, and State Farm Mutual Auto Insurance Company. The commercial carrier is Amerisure Mutual Insurance Company.
Michigan Automobile Insurance Placement Facility (MAIPF)
PO Box: 532318
Livonia, MI 48153-2318
The Michigan Automobile Insurance Placement Facility (MAIPF) is Michigan’s residual marketplace for automobile insurance. Established by Chapter 33 of the Michigan Insurance Code to guarantee that automobile insurance is available to all Michigan residents. It provides auto coverage for those unable to obtain automobile insurance from an auto insurance company.
MAIPF is available to persons who (a) own a motor vehicle that is or will be registered in Michigan, or (b) have a valid driver’s license, or (c) are eligible for the restoration of their Michigan driver’s license upon the filing of proof of financial responsibility. Click the link for more information on Filing for Financial Responsibility. If you need insurance for a Michigan Financial Responsibility filing, you need to go through a Michigan Insurance Agent to purchase a (MAIPF) policy.
Commercial automobile insurance applicants, must have your operating business (the primary place of business) in the state of Michigan. The vehicles that need to be insured must be required to maintain insurance by Section 3102 of the Michigan Insurance Code.
Michigan Automobile Insurance Placement Facility (MAIPF) Agents:
Finally, you can only apply for coverage through a licensed Michigan auto insurance agent. The placement facility will assign you to one of the state auto insurance carriers. Michigan Automobile Insurance Placement Facility (MAIPF) policies have to be sold through a Michigan Auto insurance agent. If you have been denied coverage through an auto insurance company, you can contact an agent @ 248-888-1134 to start a JUA policy.