When it comes to car insurance, there are certain requirements that drivers must meet to legally operate a vehicle in Maine. Understanding the minimum car insurance requirements can help ensure you are adequately covered and compliant with state laws. In this blog post, we’ll look at the minimum car insurance required in Maine and how to make sure you have enough coverage.
Maine’s Minimum Liability Coverage Requirements
Maine requires all drivers to carry a minimum amount of liability coverage. This type of coverage helps protect you financially if you cause an accident that results in property damage or bodily injury to another person. The minimum liability limits required by law are:
• $50,000 for bodily injury per person
• $100,000 for bodily injury per accident
• $25,000 for property damage per accident
It’s important to note that these limits are the absolute minimum required by law but may not be enough coverage if you are found liable for an accident with more serious damages. Therefore, it is generally recommended that drivers carry higher limits of liability coverage than what is required by law.
Uninsured/Underinsured Motorist Coverage Requirements
In addition to liability coverage, Maine also requires drivers to carry uninsured/underinsured motorist (UM/UIM) coverage. This type of coverage helps protect you if you are involved in an accident with a driver who does not have adequate insurance. The minimum UM/UIM limits required by law are:
• $50,000 for bodily injury per person
• $100,000 for bodily injury per accident
UM/UIM coverage is important because it can help cover medical expenses and other costs associated with an accident caused by an uninsured or underinsured driver. It can also provide financial protection if the other driver’s insurance company refuses to pay out on a claim or they don’t have enough coverage to fully compensate you for your losses.
Additional Types of Car Insurance Coverage
While liability and UM/UIM coverages are mandatory in Maine, several other types of car insurance coverages can provide additional protection and peace of mind while driving. These include collision and comprehensive coverages, which help pay for repairs or replacement costs if your vehicle is damaged due to an accident or other covered events such as theft or vandalism. Other optional coverages include rental reimbursement, gap insurance, roadside assistance, and more.
Finding the Right Car Insurance Policy
With so many different car insurance policies available, deciding which one is right for you and your needs can be challenging. It’s important to work with a reputable insurer like the professionals at Cole Harrison, who can help explain your options and ensure you have enough coverage without overpaying for unnecessary features or services. At Cole Harrison, we offer personal and commercial insurance policies and can also help you with your commercial auto insurance needs. One of our experienced agents can help answer any questions you may have about Maine’s car insurance requirements so that you can make an informed decision when selecting a policy, contact us today to request a quote!
