Maine Basic Auto Requirements

Maine’s roads cast is treacherous, especially during winter. At Noyes Hall & Allen Insurance of Portland, ME, we want you to remain safe. Insurance can help you do that. Auto insurance helps pay for your medical bills and that of another party if you cause the accident. It is a way of making sure you can get the medical treatment you need after an accident. It also pays for your vehicle repairs. That is why states, including Maine, require you to carry auto insurance before operating a vehicle on the roads.

Like most states, Maine has minimum coverage requirements. You must have this insurance in order to register your vehicle. While you have to purchase the minimum, realize that it may not be enough to adequately protect you.

You must purchase a 50/100/25 policy at a minimum. That means coverage of $50,000 per person and $100,000 per accident for bodily injury coverage, plus $25,000 for property damage. It also requires medical payments coverage of $2,000 per person and uninsured/underinsured motorist (UM) coverage of at least $50,000 per person/$100,000 per accident. This type of policy pays for your and your passengers’ medical costs if the person who caused the accident has no insurance or too little insurance to cover the costs.

You may want to add comprehensive coverage or increase the coverage beyond the minimums. Noyes Hall & Allen Insurance of Portland, ME can help with that. We can provide you with a minimum policy and help you with additional coverage. Call us or come by for a visit. We’re here to answer your questions about insurance and help you find the coverage you need to drive Maine’s roads.