Maine Auto Insurance
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Maine Auto Insurance Requirements
Maine is a beautiful state that offers much to see and do, especially if you’re a nature lover. But even though 17 million+ acres of the state are covered by forest, Maine residents have some of the strictest auto insurance requirements. If you live in Maine, here’s what you need to know about Maine auto insurance requirements before you shop for coverage.
Maine requires three types of coverage
Maine requires its residents to purchase not one but three types of coverage. The list includes liability, uninsured motorist, and medical payments coverage.
Maine minimum liability limits
The two major components of liability insurance are bodily injury liability and property damage liability. Neither of these protects you directly. But they do protect you from claims made by other parties for damage to people or property when you cause an accident. Minimum liability limits in Maine are 50/100/25.
The first two numbers represent bodily injury coverage of $50,000 per person and $100,000 per accident for the combined medical expenses when two or more people are involved. The last number represents $25,000, the minimum property damage liability amount Maine allows. If you’re at fault and cause damage to other people’s property, this coverage pays associated expenses, up to the chosen coverage limits.
Maine requires Uninsured Motorist insurance, too.
The Maine minimum limit on this is 50/100, but may be higher since new legislation was passed requiring that limits be equal to the limits chosen for liability insurance. You can however, request lower limits in writing.
Medical Payments coverage is also required
A minimum of $2,000 in Medical Payments coverage is also required in the State of Maine. Even if an accident is your fault, this coverage pays medical expenses for you and family members riding in the car. It also pays when you and family members are injured or killed while walking or being transported in some other person’s car.
Increased limits offer better protection
Maine limits seem high and they are. But with costs constantly on the rise, these limits may not be enough to cover all damage for which you’re liable. If you want more protection, you do have the option to increase these limits.
Comprehensive and Collision
Something else that’s optional is protection for your car. Called Comprehensive and Collision, they pay for repairing your vehicle when it’s damaged in an at-fault collision (Collision) or by weather, theft, and other reasons over which you have no control (Comprehensive).
Maine Bureau of Insurance
For questions about auto insurance contact the Maine Bureau of Insurance at http://www.maine.gov/pfr/insurance/ or call 800-300-5000.