Maine, the north-eastern most American state, has higher liability limit laws than many other states. To be legal to drive in Maine, a driver must maintain high liability limits. Bodily injury liablity and uninsured/underinsured motorist bodily injury liability must be set at $50,000 per injured individual or $100,000 for all injured individuals per accident. Property damage liability must be at least $25,000. Also, the insurance coverage must make concessions for a $1,000 medical payment limit.
Medical payment coverage, a requirement not found in many other states, pays for the medical and funeral expenses for you or others hurt or killed in an accident.
Maine residents pay an average of $730 for auto insurance premiums. Nationwide, Americans average an auto insurance bill of $914. National providers including Geico, Progressive, Travelers, USAA, and AAA can provide Maine drivers with insurance that will satisfy all state requirements. Comparing these providers will help consumers find the best rate and the best coverage. Comprehensive and collision protection, while adding to the overall insurance premium, are usually worth it for vehicles that still retain a portion of their worth. If an accident were to occur, these insurances would protect you from paying expensive, out-of-pocket costs for repairs to your vehicle.
The state of Maine requires that drivers under the age of 18 avoid several scenarios while driving. Young drivers are not allowed to carry passengers unless the passenger is a licensed driver over the age of 20 who has had a drivers license in good standing for the last 2 years. They are not allowed to drive between midnight and 5 am, or use a cellular phone while driving. These laws are designed to reduce accidents caused by young, inexperienced drivers who are easily distracted by conversation and other noises.
Laws change frequently, and it is always a good idea to check before travelling or driving in a new state or area. Police are actively seeking uninsured motorists, and the fines and other punishments for driving uninsured are steep. It is better to avoid any punishment by finding sufficient, affordable coverage before you get behind the wheel of your vehicle.
