In Maine, drivers must have two different forms of liability insurance coverage: these include bodily injury insurance as well as property damage insurance. With these different forms of insurance in place, drivers are protected from having to pay for property damage or bodily injury that occurs as the result of an accident that is the insured driver’s fault.
The liability limits in Maine are 50/100/25. As a result, drivers in Maine must carry $50,000 of insurance coverage per person injured. In addition, Maine drivers must have $100,000 in coverage for injuries per accident. Maine drivers also need to also carry $25,000 for property damaged as the result of an accident. Maine drivers may also acquire coverage for damages such as medical payments and bodily injury to themselves or to their own vehicles.
Bodily Injury Liability, which is also referred to as simply BI, is a requirement for Maine drivers. Bodily Injury Liability coverage also protects the driver if he or she is responsible for causing an accident and someone is injured or killed as a result. This liability insurance covers the driver and any passengers that were in any of the cars involved in the accident. The coverage must be $50,000 per person involved in an accident and $100,000 per accident.
Property Damage, which is referred to as PD for short, must be in place at a minimum of $25,000 per accident. This PD insurance is used to cover the insured driver’s expenses when he or she causes an accident or damages property. Property Damage insurance is used to pay for repairs to property or to replace property that has been damaged.
Maine drivers are able to pick up additional auto insurance coverage if they like. This may include personally injury protection, which is referred to as PIP, and no fault insurance coverage. Maine drivers may also add coverage to pay for lost wages or for childcare.
All drivers in Maine must also prove that they have insurance coverage before they get their vehicles registered in the state. Drivers can prove their coverage in a variety of ways. For example, Maine drivers can use a temporary insurance card issued by the insurer in order to provide proof of coverage. Or, the driver can use a premium receipt or show an insurance binder that has been issued by an insurance agent.
A driver in Maine can also show his or her current declarations page provided with the current liability insurance policy in order to demonstrate proof of insurance. The current declarations page from the liability insurance policy can be used as proof, though the actual policy for the vehicle may be used as well. Another option is to show the certificate of liability insurance policy, which is issued by either an authorized agent or by the insurer.
Maine drivers that have purchased a vehicle within the past 60 days can demonstrate proof of insurance by showing that they had coverage on the vehicle that was replaced y the new vehicle. Maine drivers that are renting a vehicle must present a rental agreement showing that adequate insurance coverage is in place.