Maine Auto Insurance
Every state has a set of minimum auto insurance requirements. In Maine, drivers must carry policies that include bodily injury and property damage liability, as well as uninsured/underinsured motorist coverage.
Bodily injury and property damage liability coverages come into play if you cause a wreck that either injures another person or damages his or her vehicle or other property. Bodily injury liability can pay for resulting medical, rehabilitation, or funeral expenses up to a certain extent, depending on your coverage. Property damage liability can cover repairs or replacements of another's property – again, up to a certain point, depending on your policy. The minimum requirements for liability coverage in Maine are:
- $50,000 for bodily injury coverage per person
- $100,000 for total injury coverage per incident
- $25,000 of coverage for property damage
The Pine Tree State also wants to protect drivers when they aren't at fault. With uninsured/underinsured motorist coverage, drivers would be able to correct damage to their cars when struck by motorists that either don't have coverage or don’t have enough of it.
It may be tempting to choose a policy that only includes the state-required coverages, but doing so can be a risky move. Sure, you'll save a little cash, but consider the consequences: if you cause a collision, you’re liable to pay for medical expenses along with repairs. If they exceed the amount your policy covers, you'll have to pay the remainder out of pocket, which can add up quickly. Speak with a HomeInsurance.com representative to figure out which coverage options best fit your needs.
Car insurance discounts in Maine
Discounts vary by provider, but in general, Mainers are eligible for the following:
- Multi-car discount.
- Multi-policy discount.
- Good student discount.
- Homeowner discount.
- Claim-free discount.
- Safety features discount.
For a full rundown of discounts and coverage options, call a HomeInsurance.com agent today. He or she will answer any questions you may have and will help you find a policy that fits both your needs and budget.