Maine Vehicle Policy
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If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.
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FAQ
Is car insurance required in Maine? Car insurance is a legal requirement in Maine. Maine car insurance laws require all drivers in the state to carry 50/100/25 liability and uninsured/underinsured motorist coverage, with a minimum of $2,000 in medical coverage.
Maine follows the traditional "fault" system when it comes to car accidents and insurance laws. A person who is at fault for the accident is financially responsible for damages and injuries.
Maine is a "fault" car insurance state Essentially, responsibility for damages (financial compensation) for any losses sustained in an accident, including medical expenses, lost wages, property damage and other costs, falls on the driver who is legally at fault for the accident.
How much car insurance do you need in Maine? Maine car insurance laws require drivers to have liability coverage, medical payments coverage and uninsured or underinsured motorist (UM) coverage as per the following limits: $50,000 per person for bodily injury. $100,000 per accident for bodily injury.
No, Maine is not a no-fault state. Maine is an at-fault (or tort) state. That means the driver who causes an accident uses their insurance to pay for the other driver's bills from the collision.
The following are the penalties for leaving the scene of accident offenses: Class E: Maximum of 6 months of jail time Maximum of $1,000 in fines. Class D: Maximum of 12 months of jail time Maximum of $2,000 in fines 90 days of license suspension.
Maine is one of the many states that does not offer no-fault insurance. About a dozen states use no-fault policies, also known as personal injury protection, which means that the insurance company of each person involved in a car accident will cover its own policyholder.
No, personal injury protection (PIP) is not required in Maine. PIP is not even available in Maine. Instead of PIP insurance, Maine insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
