Michigan Automobile Insurance Placement Facility (MAIPF): A Lifeline for High-Risk Drivers
Established under Chapter 33 of the Michigan Insurance Code, MAIPF is Michigan’s residual insurance market, created to help drivers who can’t obtain coverage through traditional companies.
What Is MAIPF?
Originally formed under the Essential Insurance Act of 1979, the MAIPF was restructured into a Joint Underwriting Association (JUA) in 1981. Today, it acts as a pooling mechanism. Several Michigan insurers fund the operation based on their market share and work together to ensure coverage is available to all residents—no matter their driving history.
Who Provides MAIPF Coverage?
- Private Passenger Auto Insurance:
- Auto Club Insurance Association
- Auto-Owners Insurance Company
- State Farm Mutual Automobile Insurance Company
- Commercial Auto Insurance: Amerisure Mutual Insurance Company
Who Is Eligible for MAIPF?
To apply for MAIPF coverage, you must meet these basic requirements:
- Own a motor vehicle registered (or needing registration) in Michigan
- Hold a valid Michigan driver’s license
- Be eligible for license restoration with Filing of proof of Financial Responsibility.
For commercial policies, your business must be located in Michigan, and your vehicles must be subject to insurance requirements under Section 3102 of the Michigan Insurance Code.
How to Apply for MAIPF Coverage
You cannot apply for MAIPF coverage directly. Instead, you must go through a licensed Michigan auto insurance agent. The agent will:
- Assess your eligibility
- Help you obtain a Michigan Auto Insurance quote
- Submit your application to MAIPF
- Assist you in securing a policy through one of the servicing carriers
Important: MAIPF is not a discount program—it’s a last-resort option for those who can’t get insured elsewhere.
Contact Information for MAIPF
Michigan Automobile Insurance Placement Facility (MAIPF)
PO Box 532318, Livonia, MI 48153-2318
Phone: 734-464-1100
Need help applying? Contact a local Michigan agent at 248-277-4505 or get a Michigan Auto Insurance quote here.
Helpful Resource:
For full legal context, view the Michigan Insurance Code Chapter 33 📄.
Final Thoughts
If you’ve been denied auto insurance, don’t go uninsured. The MAIPF is designed to ensure every Michigan driver has access to required coverage. Whether you’re navigating a license restoration or commercial vehicle requirements, a knowledgeable local agent can help you apply and stay on the road legally.
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