The state of Maine has higher than national average state minimum requirements for car insurance. The set minimum for Maine is 50,000/100,000/25,000 for bodily injury liability and property damage liability.
Bodily Injury Liability: Bodily injury liability covers hospital charges for the driver and passenger of the other auto if the insured party is revealed to be at-fault in the accident. Under the minimum coverage, the insurer will pay up to $50,000 for a single person up to $100,000 for all people hurt in the accident.
Property damage Liability: Property damage liability is going to pay for physical damages to the other driver’s car as well as street lights, fire hydrants, houses, places of business, and livestock or other animals. If the minimum policy is held, the insurance corporation will pay up to $25,000 for damages sustained.
Maine is one of the few states which requires drivers to get uninsured motorist protection which is a cover that helps pay for medical expenses and damages to the insured vehicle if the at-fault driver does not have insurance. The minimum coverage for medical payments is $2,000 and can cover the following:
Professional nurses expenses
Another fact is Maine is a tort state; therefore if you have cause the accident then you will be responsible for paying the medical expenses of the injured driver. The state of Maine’s government website recommends anyone that has a vehicle which is worth more than $2,000 to consider buying collision coverage, particularly if you live in a higher populated area such as Lewiston. If you have a vehicle that is valued in this range you would want to consult with your insurance company about buying optional collision coverage.
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Comprehensive cover is optional but highly recommend in the state of Maine since the state has severe winter storms, your windshield could break, or any other non-collision type of accident would be covered. If you have a newer vehicle comprehensive should be on the policy.
When you are purchasing car insurance other items such as GPS navigation units, radios, DVD players are going to be covered by comprehensive only when the items are permanently installed on the vehicle. Portable items are not going to be included on the policy unless your insurance firm offers an endorsement to add to the policy for such items.
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Other factors to consider in the state of Maine when buying car insurance is there will be a ten percent “short rate” cancellation fee if you are going to change insurance companies in the middle of the policy. The only time a driver is exempt from a “short rate” cancellation fee is if you have sold or no longer own the vehicle.