All of the following would be eligible to apply for coverage in the Maryland Automobile Insurance Fund, EXCEPT:

• A. A resident of Maryland licensed through the Maryland MVA
• B. A resident of Maryland licensed through another state's MVA
• C. A person who cannot obtain private market coverage
• D. A person who meets Maryland residency requirements

Answer: (B)

Maryland Automobile Insurance Fund is for Maryland residents who cannot obtain auto insurance in the private market and who meet the state's requirements, including holding a Maryland driver’s license. The key idea is that eligibility hinges on both residency in Maryland and having a Maryland-issued license.

A Maryland resident who is licensed through the Maryland MVA clearly satisfies both the residency requirement and the Maryland license requirement, so they would be eligible. A person who cannot obtain private market coverage fits the fund’s purpose of providing coverage when the market won’t. A person who meets Maryland residency requirements also meets the basic eligibility condition.

The scenario that does not fit is a Maryland resident who holds a license from another state's MVA. Since MAIF requires a Maryland license, being licensed by another state means they don’t meet that licensing requirement, making them ineligible to apply.