Maine Auto Insurance
Maine
Maine auto insurance companies may charge dramatically different rates for the same insurance coverage. Request auto insurance quotes from several ME insurers to find the rates you want.
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To drive on public roads, or even register a vehicle in Maine, you are legally required to obtain liability, uninsured motorist, and medical payment insurance coverage. Your Maine auto insurance policy must cover $50,000 for the injury or death of an individual, $100,000 for the injury or death of more than one person, $25,000 for property damage and $2,000 for medical payments. Insurance companies and agents may refer to this as 50/100/25. An estimated seven percent of Maine drivers are not insured. If you are driving uninsured, find coverage today with online quote comparisons from Maine auto insurance companies.
To register a vehicle in the state, you will need to present your insurance company issued proof of coverage card to the Maine Bureau of Motor Vehicles. Always keep this proof of insurance card in your automobile in the event you will need to present it to a law enforcement officer. State law requires insurance companies to notify the Bureau of Motor Vehicles when a liability policy is cancelled, in order to reduce the number of uninsured drivers in Maine. If your insurance policy is cancelled, the insurance company will notify the BMV and you will subsequently receive a letter from the Secretary of State that requests proof of insurance within 30 days. If you fail to provide proof of coverage, your vehicle's registration will be cancelled.
Maine law prohibits auto insurance companies to cancel your policy because of age, credit information or volunteer driving status. Insurance companies are, however, within their rights to cancel a policy within the first 60 days for reasons including nonpayment of premium, fraud or misrepresentation that affects the policy or a claim, the suspension of a driver's license, or a violation of terms or conditions of the policy. If your insurance policy has been cancelled, you may not receive your entire premium back from the insurance company if your coverage extended to point it was paid for by earlier premiums. The best way to avoid these hassles is to get your vehicles covered with the appropriate amount of Maine auto insurance. Compare insurance companies online to find sufficient coverage at the lowest rates.