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?
In 1981, the Essential Insurance Act of 1979 restructured the MAIPF into a Joint Underwriting Association (JUA). 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 by filing 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 directly to MAIPF. You must go through a licensed Michigan auto insurance agent who 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
📞 Contact Information for MAIPF
Michigan Automobile Insurance Placement Facility (MAIPF)
PO Box 532318, Livonia, MI 48153-2318
Phone: 734-464-1100
📄 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.