Wednesday 27 May 2015

Importance Of Applying For MAIF Insurance

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.

MAIF is responsible in imposing strict rules regarding vehicle insurances. They are also authorized to implement standard regulations like sanctions if the rules are not followed. It is also their discretion to approve or disapprove applications from individuals.

The penalties could range from payments to community service. The fees could also range from at least twenty five dollars to one hundred fifty dollars or more. Not to mention your plate numbers could also be confiscated.

The state is imposing strict rules in for vehicle owners because they want to make sure that every resident is covered in case there is an accident. Once you have the proper papers and documents, you can easily contact the police and report what had happened. In case you are involved in such incidents, you may call the police immediately as the first step for processing claims.

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.

Then you need to report also to the hotline number of MAIF so that they will be notified ahead and make arrangements to process the claim as soon as possible. An agent will explain what other requirements are needed. After all the requirements have been submitted and assessed, then you can receive the claim.

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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