Maine Auto Insurance Quotes

If you've been looking for a site that provides you with Maine auto insurance quotes and accurate, updated information on Maine's auto insurance regulations, you've come to the right place. Before asking for a price quote, review the minimum liability coverage requirements and find out who will be responsible for paying expenses should you get into an accident. Once you know what types of coverage you must include in your policy, you can get auto insurance quotes from several carriers who are authorized to insure vehicles in Maine.

Maine Auto Insurance Liability Minimums

Like many other states in the United States, Maine requires that drivers maintain minimum levels of liability insurance on all vehicles registered in the state.  Compared to other states in the U.S., Main's liability insurance minimums are rather high.  For bodily injuries sustained by one person in one accident, the minimum amount of coverage required is $50,000.  For all bodily injuries sustained in one accident, the minimum amount of coverage required is $100,000.  The minimum required coverage for property damage is $25,000.  Maine also requires that motorists purchase and maintain uninsured motorist coverage as well as a minimum of $1,000 coverage for medical payments.

Determining Financial Responsibility for Expenses

If you get into a motor vehicle accident in Maine, it is important to know who will be responsible for your expenses.  Maine operates under the tort system of determining financial responsibility after an accident.  The driver who is at fault is responsible for paying the expenses of others involved in the accident, such as the other driver, passengers, or injured pedestrians or cyclists.  The driver responsible for the accident can also be sued in civil court so that accident victims can recover damages for losses such as inability to work or pain and suffering due to injuries sustained in the accident.

Maine Proof of Insurance

Maine does not have an insurance coverage reporting system like some other states.  As a result, you must notify the state when you obtain coverage for a registered vehicle.  You may use a current insurance card, a policy declaration page, an insurance binder, or a summary of the insurance policy as proof of valid insurance.  The proof you use must have several pieces of information listed.  The required information is the amount of insurance you have purchased, the type of coverage on the vehicle, the policy number, effective and expiration dates of the policy, your name, and the make, model, year, license plate number, and VIN of the covered vehicle.

Penalties for Lack of Insurance

If you are cited for not having proof of insurance, you must purchase a valid policy that meets the minimum coverage requirements outlined by law.  You then must file proof of financial responsibility with the state in the form of an SR-22 certificate.  If you fail to meet these conditions, your registration and driver's license could be suspended.