Maine Car and Motorcycle Insurance Law

Required Minimum Bodily Injury/Property Damage Coverage

• $50,000 per person injured in any one accident and $100,000 for all persons injured in any one accident
• $25,000 for injury to or destruction of property of others in any one accident

Required Minimum Bodily Injury Coverage for Insured/Operator and Passengers

• Maine also requires an insured’s bodily injury policy to provide coverage equal to or greater than $1,000 per person for injuries sustained by the insured/operator and passengers in the insured’s car.

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. In Maine, UM includes underinsured motorist (UIM) coverage. If purchased, the coverage cannot be less than that purchased in the bodily injury liability policy, unless the insured specifically rejects that amount. In that case, however, the insured must purchase UM at least in an amount equal to the minimum bodily injury liability coverage required.

Special Rules for Motorcycle Owners

• Under Maine law, insurance companies are not permitted to sell motorcycle liability insurance policies that exclude coverage for motorcycle passengers, unless the insurance company notifies the Bureau of Motor Vehicles, each of its licensed agents, and the exclusion is provided by a separate endorsement in the insured’s policy.