How do I get car insurance in Massachusetts if I am denied coverage?

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Key takeaways...
  • Once you are determined eligible for the MAIP by the State, car insurance companies can not deny you coverage
  • Agents should be familiar with the MAIP program and can apply on your behalf
  •  The Massachusetts Automobile Insurance Plan is essentially a way for the state to force a car insurance company to insure you

Massachusetts State law has a state-funded program called the Massachusetts Automobile Insurance Plan (MAIP) which assists drivers denied car insurance coverage through the voluntary market obtain auto insurance.

While the Massachusetts Automobile Insurance Plan does not provide car insurance coverage, it automatically requires an assigned car insurer to offer you coverage with reasonable market rates not to exceed MAIP limits.

The MAIP program was set up to enable high-risk drivers to access to car insurance coverage by mandating car insurance companies to provide coverage.

Logically, when a state requires you to obtain car insurance coverage yet, you can not get it laws like this need to be in place.

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Who is eligible for the Massachusetts Automobile Insurance Plan?

Many eligibility requirements exist, but most all drivers who are denied coverage through the voluntary market should qualify for the Massachusetts Automobile Insurance Plan.

Once you are determined eligible for the MAIP by the State, car insurance companies can not deny you coverage.

Keep in mind that they can refuse to issue a policy, however, should you not have a valid drivers license, a suspended license or one which has been revoked.

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Is the MAIP a car insurance company?

No, the Massachusetts Automobile Insurance Plan is a program designed to assist high-risk drivers denied coverage by assigning an existing car insurance company to his/her application and requiring them to provide car insurance coverage.

All companies licensed to sell private car insurance in Massachusetts are required to participate in the Massachusetts Automobile Insurance Plan as an Assigned Risk Company.

 The Massachusetts Automobile Insurance Plan is essentially a way for the state to force a car insurance company to insure you.

It’s very likely if you are approved as eligible under MAIP one of the same car insurance companies who denied you would know act like your best friend.

How do I learn more about the Massachusetts Automobile Insurance Plan?

You can visit the MAIP website or speak to any licensed car insurance agent in Massachusetts. Make sure to ask every question you have when you talk to an agent.

Agents should be familiar with the MAIP program and can apply on your behalf.

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