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Maine Auto Insurance  As a Maine resident you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is compulsory in Maine. Maine minimum liability limits; $50,000 per person for injuries you cause to the other parties, $100,000 total per accident, and $25,000 for damage you cause to the other party's property. Other mandatory coverages include $1,000 in medical payments (PIP) and $20,000 (per person) and $40,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage. Consider other options such as blanket umbrella, collision, and comprehensive options. In Maine, 4 percent of all drivers are uninsured. If you are convicted of DUI in Maine (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more. If you are high risk (multiple tickets and/or accidents), you may have to go the Maine Automobile Insurance Plan. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Below (again) are the minimal limits.
Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. The insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Maine are a $100-$500 fine, 30-day license, and registration suspension. |
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