By Tammie Caldwell


You need to apply for an insurance of you own a vehicle. Insuring yourself and your car will free you from the financial burden of repair and medications or hospitalization when an accident happens. But in applying for one, you need to meet requirements and qualifications. The most basic qualification is that you need to be a resident of that particular state. There are various bylaws and requirements depending on the state where you are residing.

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.

In addition, it is authorized to impose sanctions on anyone who drives without the papers. Some of these sanctions or penalties include a fee of twenty five dollars, license confiscation, charges by the courts which may lead to additional fees, confiscation of plates, a one hundred and fifty dollar fee for uninsured motorist or driver, and prohibition from registration of other automobiles if insurance has not been applied yet for the other one. So any Maryland resident must be responsible.

If you bought a new car, you need to immediately register them. Any registered vehicle needs to be insured as well. MAIF or Maryland Automobile Insurance Fund is an independent body or agency that follows the standards of the Maryland State Legislature. They cater to those who have not been approved by private agencies.

Before you decide to flaunt your new car on the highway, always make sure that it is duly registered and has the complete papers of the insurance company. MAIF or the Maryland Automobile Insurance Fund sets the rules and standards in applying your car to the insurance service. They are responsible to entertain residents that have not been approved by private insurance agencies.

An investigation will be done right after. In case of injuries, emergency personnel have to be notified as soon as possible to attend to those injuries. Then evidence must be gathered in time for the accident. Some people put cameras on their dashboards.

Once you get into an accident, call the police immediately as they will investigate the scene. In addition, you need to contact medics so that anyone who is hurt will be immediately attended to. You may also need to collect information and evidences as well as possible witnesses. Some car owners, especially in Russia, place cameras on their dashboards to capture whatever may happen while on the road.

The claim should then be reported to the hotline number of MAIF. They will process the claim and they will explain to you the things you need to do and the papers you have to provide, sign, or fill in. An agent will be the one to process these for you in no time.

In decreasing costs, especially if you are at fault in the accident, you will need to have a positive driving record. The less violations, the lesser the costs. MAIF also offers deductibles but this will depend on the functionality and age of the car.




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