MAIPF: Who We Are

Plan of Operations                          Michigan Insurance Code, CH 33


The Facility became effective on August 12, 1943, under the name of the Michigan Automobile Assigned Risk Plan. In 1968 the name was changed to the Michigan Automobile Insurance Plan; and in 1970, it was given its current name, the Michigan Automobile Insurance Placement Facility. Effective January 1, 1981, the Essential Insurance Act of 1979 converted the Facility from an assigned risk plan to a joint underwriting association (JUA). Read More…

How Do I Get Insurance?

The Facility is an organization designed to provide auto insurance to any qualified person who is unable to obtain insurance in the voluntary market. Buying coverage through the Facility should be the last resort.  Most people can obtain coverage through insurance companies in the voluntary market. Rates vary from one company to another, so it is a good idea to shop around. If you are refused insurance or charged a high rate, check with other companies or try several agents. Be sure you are comparing the same limits of insurance and the general coverages. Read More…


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Servicing Carriers

Four members currently act as JUA Servicing Carriers, processing applications, collecting payments and handling claims. Read More…


Once the Facility forwards the application to the servicing carrier, the servicing carrier issues the policy using Facility rules and rates, handles premium billings, makes policy changes, and handles claims. The Facility only maintains basic applicant information and the name of the servicing carrier to which we assigned the application. Please note that the Facility does not have policy numbers, billing information, or claim files. Read More…

Board of Governors

The Board of Governors consisting of seven representatives from participating member companies,
two insurance agent representatives, and two public representatives administers the Facility. The
company representatives are elected annually by the member companies.  The Director of Insurance appoints the agent and public representatives.  Read More…


Mission Statement

Our Purpose

We will ensure that automobile insurance and/or benefits required by Michigan state law are available to those who are unable to obtain them in the competitive market.

We will achieve this through:

  • Collaborative partnerships with Member Companies, Servicing Carriers, Servicing Insurers, the Department of Insurance and Financial Services and other industry experts;
  • Effective and Courteous service for our customers and producers;
  • Programs and technology that improve access to insurance and/or insurance benefits; and
  • Empowerment of employees and cultivation of leaders to meet our organizational needs all while maintaining our fiduciary responsibility to Michigan automobile insurance consumers.

Plan of Operations                          Michigan Insurance Code, CH 33