But more coverage doesn’t necessarily mean paying top dollar for your insurance. Look for custom quotes from reputable insurers offering discounts that apply to your situation. You might be surprised at how much you can save — even while meeting hefty coverage requirements.
Car insurance providers in Maine
Driving requirements in Maine
To legally drive in Maine, you’re required to carry liability insurance that includes at least:
- $50,000 of bodily injury coverage per person.
- $100,000 of bodily injury coverage per accident.
- $25,000 of property damage coverage per accident.
When shopping for auto insurance, you may see these liability limits written as 50/100/25. In Maine, you have the option to choose a combined single-limit policy that includes both bodily injury and property damage liability of $125,000 per incident.
Unlike many other states, you’re also required to carry uninsured/underinsured motorist insurance that includes at least:
- $50,000 uninsured/underinsured motorist coverage per person.
- $100,000 uninsured/underinsured motorist coverage per accident.
- $2,000 medical expenses coverage to help with accident-related medical bills.
What should I do after an accident in Maine?
While every driver hopes they won’t find themselves involved in an accident, it’s best to prepare just in case. If you’re in an accident, follow a few simple steps to ensure that you’re safe and to protect yourself against unnecessary worry when processing your car insurance claim.
- First and foremost — safety. Take a look around to survey the scene. If you or anybody else needs assistance, call the police immediately.
- Call your insurance provider. After you’ve confirmed that everybody’s OK, call your agent to report the accident. They will walk you through questions to start your claim.
- Document the accident. Gather as much information as you can, taking pictures of each car involved. Talk to any witnesses you may be able to contact for your info.
- Exchange information. Get the full name, contact details and insurance policy IDs from other drivers. Note their car type, color, model and license plate number.
When speaking with other drivers or witnesses, do not admit fault — even if you feel it’s an accurate admission. If you do, your car insurance company could refuse to pay your claim.
In Maine, you’re legally required to report any “reportable accident” to the authorities. According to Maine’s Motor Vehicles Department, these are accidents that result in injury, death or property damage of $1,000 or more. If you fail to report an accident, you could face up to six months in jail.
Report your car accident as quickly as possible to the police or any other public official. That official or their department will advise you on the forms and documentation required to file your report.
What if I don’t have car insurance?
If you’re stopped by police or are involved in an accident in Maine and you don’t have car insurance, you’ll pay up to $500 for your first violation and $2,000 for any following violations.
You’re driving privileges will be suspended temporarily, requiring some $100 in fees to reinstate them. You may also be required to carry SR-22 insurance for three years.
What if nobody was injured in the crash/accident?
In the case that nobody was injured or hurt, it’ll depend on whether your accident caused more than $1,000 in total combined damage to the impacted cars and properties. In such a case, failure to report a car accident could result in the state suspending your license or canceling your vehicle’s registration.
Am I covered if I was at-fault for an accident in Maine?
No, Maine is not one of the 12 states that requires its drivers to carry no-fault insurance. In states without no-fault coverage, typical insurance claims are paid out:
- If you’re injured in an accident caused by another driver. The at-fault driver’s bodily injury liability coverage could help reimburse your medical expenses up to policy limits.
- If you’re injured in an accident you cause. Your medical payments coverage, if you have it, could help reimburse your medical expenses up to your limits.
Maine is a tort state, which means that if you’re at fault for an accident, you’re required to pay the medical expenses of any victim involved in that accident. Victims can also pursue compensation for additional lost wages and “pain and suffering” — the legal term for physical and emotional stress that’s the result of an injury.
Uninsured drivers statistics in Maine
According to the Insurance Research Council, only 4.7% of Maine’s drivers are uninsured — which is far below the 12.6% national average.
To fully protect you, your vehicle and potential victims in a car accident, consider purchasing the highest coverage you can comfortably afford.
Afternoon drives in Maine are lovely and beautiful. But there’s something to be said for knowing you’re covered in the event of an emergency.
Get the best price on your car insurance by shopping around for the coverage — and discounts — that are right for you.
Frequently asked questions
Will an accident still show up on my driving record if it’s not my fault?
Yes. Regardless of fault, crash reports are included on on your driving record. You can request a copy of your crash report from any Bureau of Motor Vehicles in Maine for a $10 processing fee.
Will my rates go up if I file a claim through my insurance company?
It could. Your car insurance rates may increase if you file a claim. Insurance companies reserve the right to increase your rates or even cancel your coverage after a claim. But these actions are typically reserved for drivers exhibiting risky driving behaviors, filing multiple claims in a short time period or receiving multiple tickets or DUI/DWIs. You’ll receive notification before any cancellation.
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