Required Coverage Minimum - 50/100/25. Auto insurance law in Maine stipulates that every motorist who registers and operates a motor vehicle must purchase insurance policies with a minimum coverage limit of $50,000 for injury liability for one person in an accident, $100,000 for all injuries in any single accident, and $25,000 for property damage. These minimum limits are relatively high compared to the rest of the country. However, you still may wish to consider possessing higher liability limits in case you are sued for liability as a result of an accident. This liability coverage may also be shown on your policy under a single amount.
Mandatory Auto Insurance Coverage - The required liability insurance coverage is a Property Damage Liability policy, Bodily Injury Liability policy, Uninsured Motorist and Underinsured Motorist coverage, and Medical Payments coverage.
Optional Coverage - Maine auto insurance companies will also offer optional coverage such as Collision, and Comprehensive policies.
Proof of Insurance - You must carry proof of insurance in your vehicle at all times.
Penalty for Failure to Comply - Failure to comply with possessing the minimum required auto insurance coverage will result in a $100-$500 fine, 30-day license and registration suspension
Non-Seatbelt Use
Although the Maine seatbelt law requires that you wear seatbelts in your vehicle, you cannot be pulled over for noncompliance. However, if you are pulled over for something else, the penalty is a $50 fine for any seat in violation.
Lawsuits - since Maine is based on a Tort liability system, there are no restrictions on law suits for liability as a result from an auto accident.
Bureau Of Insurance - State of Maine
122 Northern Ave.
Gardiner, Maine 04345
Telephone: 207 624-8500
TTY number: 207 624-8563
Maine Bureau Of Insurance Website: http://www.maineinsurancereg.org/
Email: Thomas.R.Michaud@maine.gov
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