Minimum Auto Insurance Coverage Requirements

Anyone living in the state of Maine who owns and drives a motor vehicle must have an auto insurance policy. You must have proof of this insurance to be able to register your vehicle with the Maine Bureau of Motor Vehicles. Insurance is required because it helps protect against any potential property damage or bodily harm that your vehicle is involved with. Medical bills, vehicle damage, and property damage can quickly add up to thousands of dollars that most people do not have access to. Insurance policies are what cover that gap and make it possible for people who are not at fault for their injuries, vehicle, or property damage to have their expenses covered.

The state of Maine’s Bureau of Motor Vehicles requires a minimum level of coverage for the following items: liability, medical payments, and uninsured/underinsured motorists. What are the minimum coverage levels for these things? For liability coverage, you are required to have a minimum of $50,000 per person/ $100,000 per accident for bodily injury, and $25,000 for property damage. You are also required to carry a minimum of $2,000 per person in medical coverage payments. This covers medical expenses incurred by you and your passengers. Finally, you must have uninsured/underinsured driver coverage at a minimum of $50,000 per person and $100,000 per accident. This helps protect you and your vehicle if the other driver is uninsured or their underinsured/uninsured limit is less than yours.

Contact Us Today for Affordable Car Insurance!

At Champoux Insurance Group, we provide affordable auto insurance policies to drivers throughout the Auburn, ME area. Auto insurance is required by law to register your vehicle and lawfully drive it. It is there to protect you and your fellow drivers in case of a car collision or other accident. The cost of repairing property damage, vehicle damage, and paying for medical expenses can easily add up to tens of thousands of dollars. Most people do not have that kind of cash lying around in case of emergencies. That is why we are required to purchase an auto insurance policy. Contact our insurance company today for a free car insurance quote!