What is the Michigan Automobile Insurance Placement Facility (MAIPF)?

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 the Amerisure Mutual Insurance Company.

Michigan Automobile Insurance Placement Facility (MAIPF)

PO Box: 532318
Livonia, MI 48153-2318
Phone: 734-464-1100

The Michigan Automobile Insurance Placement Facility (MAIPF) is Michigan’s residual marketplace for 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 needs to have registration 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 a 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 get a Michigan Auto Insurance quote from a local Michigan 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 are sold through a Michigan auto insurance agent: Click the Get a quote button if you need coverage. If you have been denied coverage through an auto insurance company, you can contact an agent at 248-277-4505 to start a Placement Facility policy.