Every U.S. state except New Hampshire requires liability insurance. Makes sense. People should be able to pay for damage they cause to other people or their property. But there are always some who fail to get insurance for a variety of reasons. If you’re injured in an accident with an uninsured driver, it can be confusing and maddening. But the staff at Noyes Hall & Allen Insurance in Portland, Maine can help you make sure you’re protected by your own automobile insurance policy.<\/p>\n
Maine is a “fault” state. A person ruled to be at-fault in an accident is responsible for all damages or injuries caused. Some states, including Massachusetts, are “no-fault”. Each person pays for their own vehicle damage in an accident regardless of who is at fault. Maine requires at least $50,000 per person of uninsured motorist coverage.<\/p>\n
Uninsured Motorist (UM) coverage pays for any injuries caused by someone else whose insurance will not cover it. For instance, if your medical bills and pain & suffering are $100,000, and the other person has $25,000 of liability insurance, your own insurance will cover the rest of the charges. This could be very beneficial in an “at fault” state like Maine, especially if the other person has no coverage at all.<\/p>\n
Contact a Noyes Hall & Allen Insurance agent in Portland, Maine to find out more about automobile insurance and learn what to do if you are in an accident with an uninsured motorist. Don’t wait until you are in that situation to learn what you need to know. Get information about a new policy, or come see us make sure your policy is up to date and that you have the coverage you need.<\/p>\n