Maine Auto Insurance Guide

There are more than 23,450 miles of highways and byways in the Pine Tree State. Whether you’re heading down I-95 to Bangor on business, going north to Sugarloaf to ski, driving along Maine’s 5,500 miles of coastline looking for the perfect place to fish or angling for brook trout in one of Maine’s 6,000 lakes and ponds, the Pine Tree State is filled beautiful scenery. Sightseeing or commuting, car insurance is crucial to being a responsible Maine driver.

 

Auto Insurance Resources for ME State Residents

As of 2010, there were 932,455 licensed driver in the Pine Tree State. The Insurance Research Council estimates that 4% of Maine’s drivers are uninsured, the second lowest number in the nation. The National Highway Traffic Safety Administration reported 155 traffic fatalities in Maine in 2008, 30% of them were alcohol related. Low visibility and icy roads during fierce winter storms are another leading cause of car crashed. Inclement weather and alcohol-impaired drivers are good reasons to make sure you have enough car insurance while living and driving in the Pine Tree State.

 

Maine State Minimum Car Insurance

Maine state law requires you to carry a minimum amount of car insurance, including Uninsured/Underinsured Motorist insurance, or face severe penalties. Maine has a tort-based system. If you cause an accident, you can be sued. While Maine does not require you to carry additional personal liability or Collision and Comprehensive, if you own property or other valuable assets, you would be wise to supplement the minimum requires shown below:

• $50,000 bodily injury per person per accident
• $100,000 bodily injury for all persons per accident
• $25,000 property damage liability
• $25,000/$50,000 uninsured/underinsured motorist coverage
• $2,000 medical payment coverage

 

Maine Car Insurance Laws

Delaware requires that you carry proof of Delaware auto insurance in your vehicle and produce it if a law enforcement officer asks to see it.

 

Regulating Agency and References

Maine Bureau of Insurance Department
This agency is responsible for regulating vehicle insurance policies sold in Maine. For more information, visit their website at www.maine.gov/pfr/insurance

Maine Bureau of Motor Vehicles
This is the agency responsible for licensing drivers and registering vehicles. You can learn more about Maine auto insurance requirements, penalties and related information at www.maine.gov/sos/bmv/

National Association of Insurance Commissioners (NAIC)
This is an organization of insurance regulators from the 50 states, District of Columbia and the five U.S. territories. NAIC provides a forum for the development of uniform policies when appropriate. NAIC members are elected or appointed state government officials who regulate the conduct of insurance companies and agents in their respective states or territories. Visit NAIC at http://www.naic.org

Insurance Information Institute (III)
This organization’s mission is to improve public understanding of insurance – what it is and how it works. Visit III at http://www.iii.org/

 

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