are separate and independent from the Depart-
ment.

MARYLAND AUTOMOBILE
INSURANCE FUND

BOARD OF TRUSTEES

Chairperson: Harold D. Covey

Appointed by the Governor: Rita A. Baikauskas;
Gerald H. Cooper; August A. Krometis;
William H. Ross III; Fred C. Wright.

Appointed by the Board of Directors of the
Industry Automobile Insurance Association:
Marion E. Byrd; J. R. Harmon; John R.
McKetta; Thomas M. Mahar. Terms expire
1988.

THE AGENCY

Vincent H. Howley, Executive Director

1750 Forest Dr.
Annapolis 21401 Telephone: 269-1680
Uninsured Division: 563-4500

The Maryland Automobile Insurance Fund
(MAIF) was created by Chapter 73, Acts of 1972,
to replace the Maryland Automobile Insurance
Plan and the Unsatisfied Claim and Judgment
Fund (UCJF).

The MAIF performs two basic functions: first, it
assumed the role of the former UCJF and process-
es and pays claims against uninsured motorists;
and second, it sells automobile liability insurance
to Marylanders who have been rejected by at least
two private insurers or who have had their auto-
mobile liability insurance cancelled or non-re-
newed for any reason other than non-payment of
premiums. With respect to the second function,
MAIF acts as any private insurance company and
is subject to regulation by the Insurance Commis-
sioner.

Every owner of a motor vehicle registered in
Maryland must maintain the basic required prima-
ry coverage of $20,000/$40,000 bodily injury,
$10,000 property damage, and $2,500 economic
loss coverage. Such compulsory insurance is in-
tended to reduce substantially the number of
uninsured claims. However, it is not expected that
they will disappear completely. There will be hit
and run accidents, out-of-state uninsured drivers,
and Marylanders who will not comply with the
law. For that reason the UCJF function has been
retained.

Independent Agencies/355

The MAIF receives no general funds from the
State and its assets are not part of the State
Treasury. Present assets of the MAIF are derived
from four sources: 1. Monies collected from premi-
ums and earnings from investments (Code 1957,
Art. 48A, secs. 243-243L); 2. assessments, when
required, levied against all automobile insurers
(Chapter 241, Acts of 1976; Chapter 364, Acts of
1978; Chapter 577, Acts of 1983); 3. funds recov-
ered from uninsured motorists by the Uninsured
Division; and 4. penalties imposed by the Motor
Vehicle Administration against uninsured motor-
ists (Chapter 291, Acts of 1975, as amended by
Chapter 499, Acts of 1976; Chapter 346, Acts of
1978).

The Fund is governed by an eleven-member
Board of Trustees with the Executive Director of
the Maryland Automobile Insurance Fund serving
ex officio. Five members of the Board are ap-
pointed by the Governor with the advice and
consent of the Senate and serve at his pleasure.
Five members are appointed by the Board of
Directors of the Industry Automobile Insurance
Association (Code 1957, Art. 48A, sec. 243M).
The chairperson is selected by the Board, and must
alternate between industry and government ap-
pointees. The Board advises the Executive Director
with respect to his exercise of the powers and
duties conferred on him and formulates policy for
the Fund.

Appointed by the Board of Trustees, the Execu-
tive Director is the administrative head of MAIF
and its chief executive officer. He is responsible for
the exercise of all duties conferred on the Fund,
except those reserved to the Board of Trustees.

BLIND INDUSTRIES AND SERVICES
OF MARYLAND

BOARD OF TRUSTEES

Chairperson: Joyce Anne Burman, 1987

Remo dela Pena, 1985; Pierce J. Lambdin, 1985;
Constance McCraw, 1985; Dallas G. Truitt,
1985; Nelson P. Guild, Ph.D., 1986; Robert L.
Jones, Jr., 1986; C. Rogers Kines, 1986; Jane M.
Storrs, 1986; James P. Fox, 1987; William F.
Melville, Jr., 1987.

Ralph W. Sanders, President

2901 Strickland St.
Baltimore 21223 Telephone: 233^567

The Blind Industries and Services of Maryland,
established by Chapter 566, Acts of 1908, adopted
its present name in 1973 (Chapter 164, Acts of