All drivers in the state are required to carry car insurance. Relative to other states, Maine sets fairly high liability limits as the minimum requirements. These include:
- $50,000 for the injury or death of a single person
- $100,000 for all injuries or death resulting from a single accident
- $25,000 for property damage.
Drivers are also required to carry medical payments coverage (MedPay). This coverage pays for medical expenses for treating the injuries suffered by you or passengers in your vehicle during an accident. The minimum amount of coverage is $2,000.
Car insurance policies in Maine must also include uninsured and underinsured motorist coverage with minimum limits of $50,000 per person and $100,000 per accident. This coverage provides protection if the driver who caused your injuries has no insurance, or does not have enough to compensate you for the damages you suffered.
It’s generally recommended to buy car insurance with liability limits that are higher than the minimum requirements, as damages in an accident can easily exceed those amounts.
Optional types of coverage include collision to pay for vehicle damage caused by an accident, and comprehensive to pay for vehicle damage caused by fire, flood, theft, vandalism, and other factors.