Minimum Car Insurance in Maine

Maine requires 50/100/25 liability coverage: $50,000 for injury to or death of one person, $100,000 for one accident injuring or killing more than one person, and $25,000 for property damage. A combined single limit of $125,000 also meets the liability requirement. Policies must also include at least $2,000 in medical payments coverage, $500 for towing and storage, and uninsured/underinsured motorist coverage of at least $50,000/$100,000. Proof of financial responsibility can also be given by an insurer or surety company certificate, or by depositing money or securities with the State Treasurer equal to the required amounts.

Maine uses a fault-based system. Its required coverages include $2,000 of medical payments coverage rather than no-fault personal injury protection (PIP). Claims against another driver depend on who was responsible for the crash. The Bureau of Insurance explains that third-party losses are often paid based on comparative negligence, meaning damages may be reduced by the extent to which the injured person's own actions contributed to the accident.

Uninsured/underinsured motorist (UM) coverage is required on every auto liability policy for vehicles registered or principally garaged in Maine. For private passenger policies, UM limits must equal the policy's bodily injury liability limits unless the buyer expressly rejects equal coverage in writing, on a signed and dated insurer form containing statutory language; even then, UM limits may not be lower than the 50/100 state minimums.