434/Maryland Manual

boundaries, comprise a complete inventory of all
land in the State. They are drawn to scale and are
integrated into the State Grid System. They show
ownership, sizes, references, and natural and man-
made features. Aside from their public usefulness,
they are invaluable in making property assessments.
The Map Division also prepares maps showing the
different grades of soils, based upon agricultural
capability

The Department administers the Home
Owners' and Renters' Property Tax Credit Pro-
grams. These Programs provide more than $45
million in State-funded property tax credits to
home owners and renters who qualify based on an
income test. The Home Owners' Program is avail-
able to all home owners in Maryland, regardless of
age, while the Renters' Program applies to renters
aged 60 or over, or permanently disabled.

The Director is appointed by the Governor but
thereafter holds office under the Merit System
(Code Tax—Property Article, Title 2).

MARYLAND AUTOMOBILE
INSURANCE FUND

BOARD OF TRUSTEES
Chairperson: Merrill D. Knight

Appointed by Governor: Rita A. Baikauskas;
Gerald H. Cooper; Fred J. Hill; August A.
KrometJs; William H. Ross III.

Appointed by Board of Directors, Industry
Automobile Insurance Association: Richard D.
Crabtree; Jay Edmondson; Merrill D. Knight;
Elton Stephenson; Christopher Taylor. Terms
expire 1992.

Martha C. Roach, Executive Director

1750 Forest Dr.
Annapolis, MD 21401 269-8625
Uninsured Division: 522-9100

Budget (Code 23.10.00)
Nonbudgeted Funds (no State obligations; funds
derived from insurance premiums, earnings
from investments, etc.)
CY1989 Total Expenditure (est.)......$22,495,080
CY1989 Total Authorized Positions (est.)......387

Annual Report to General Assembly and Secretary of
Personnel on staffpositions, classifications & salaries due
Jan. 1.

Annual Certification to Board of Directors, Industry
Automobile Insurance Association, of actual operating
loss, if any, due March 15.

Annual Audit may be conducted by Legislative Audi-
tor.

BOARD OF TRUSTEES

FINANCIAL MANAGEMENT
COMMITTEE

(Art. 48A, sec. 243A(a))

EXECUTIVE DIRECTOR

Martha C. Roach (appointed by Board of
Trustees).....................269-8625
James Himes, Principal Counsel......269-8627

CLAIMS DEPARTMENT
James E. Sale, Jr., Director..............269-8628

FISCAL DEPARTMENT
Morgan S. Anderson, Director.........269-8633

OPERATIONS DEPARTMENT
David C. Trageser, Director.............269-8629

UNDERWRITING DEPARTMENT
Hugh D. Williams, Director.......269-8630

The Maryland Automobile Insurance Fund
(MAIF) was created in 1972 to replace the Mary-
land Automobile Insurance Plan and the Unsatis-
fied Claim and Judgment Fund (UCJF) (Chapter
73, Acts of 1972).

MAIF performs two basic functions: 1) it pro-
cesses and pays certain claims against uninsured
motorists; and 2) it sells automobile liability insur-
ance to Marylanders who have been rejected by at
least two private insurers or who have had their
automobile liability insurance cancelled or not re-
newed for any reason other than nonpayment of
premiums. With respect to the second function,
MAIF acts as any private insurance company and is
subject to regulation by the State Insurance Com-
missioner.

Every owner of a motor vehicle registered in
Maryland must maintain the basic required primary
coverage of $20,000/$40,000 bodily injury,
$10,000 property damage, and $2,500 economic
loss coverage. Such compulsory insurance reduces
substantially the number of uninsured claims. It is
not expected, however, that uninsured claims will
disappear completely There will be hit-and-run
accidents, out-of-state uninsured drivers, and Mary-
landers who will not comply with the law.

MAIF receives no general funds from the State,
and its assets are not part of the State Treasury
Present MAIF assets are derived from four sources:
1) monies collected from premiums and earnings
from investments (Code 1957, Art. 48A, secs. 243-
243L); 2) assessments, when required, levied
against all automobile insurers (Code 1957, Art.
48A, secs. 243A, 243M-243N); 3) funds recovered
from uninsured motorists by the Uninsured Divi-
sion; and 4) penalties imposed by the Motor Vehicle
Administration against uninsured motorists (Code
Transportation Article, secs. 17-101 through 17-
110).