Maryland Auto Insurance Fund (MAIF) Uninsured Division Claims - The Last Resort for Uninsured Claims

In my last posting I spoke about the possibility of making a claim against your own uninsured/underinsured (UM) coverage in the event you are struck and injured by a vehicle operated by a motorist who is either without insurance because they didn’t purchase any, or because they were operating a stolen vehicle, they were an excluded driver, they ran from scene and their identity cannot be determined, or, who had insurance but not enough to fully cover the claim.

A UM claim in its typical sense assumes there is a policy of UM to make the claim under. In some instances, however, the victim neither owns a car nor has a member of their household who has a policy of insurance providing UM benefits. In this instance, the state of Maryland has established a fund and a very burdensome and complicated procedure for obtain some UM coverage under what is known as the MAIF Uninsured Division.

In order to make a claim under the MAIF Uninsured Division, you must attest that, at the time of the accident, you did not own a vehicle that should have been insured but was not, nor did you live in a household where a vehicle had UM coverage on it. If both of these representations can be made, MAIF will pay a maximum of $20,000 per claim with certain restrictions to an injured victim.

The process of making a MAIF Uninsured Division claim is very burdensome. Many lawyers elect not to handle these cases because they are time consuming and complicated. The lawyers at Belsky, Weinberg and Horowitz do handle MAIF Uninsured Division claims. Should you find that there is absolutely no insurance available to cover your claim for personal injury, please contact us immediately and we can help to determine whether a MAIF Uninsured Division claim can be asserted. Learn more out Maryland auto accident lawyers on our website.