Maine Auto Insurance

There are so many states in the USA and all of them have implemented auto insurance laws in order to make the road driving safe as well as pleasant for the citizens. Looking at the increasing ratio for road accidents, several strict laws have been implemented and offering people tremendous support when they are driving their vehicle on the highways and street roads. Auto insurance policies are not only helping people to drive the car in a legal way but also offering them adequate amount of financial support after the accidents to meet the expenses required for damages and injuries.

Minimum requirements

It's the Maine state which is also known as the Pine Tree State and has implemented certain laws and regulations for the drivers in the state to have auto insurance policy. Having an auto insurance policy in the Maine state is compulsory and offering people a great response on the use. The Maine state law has made it mandatory for drivers to have minimum amount of liability coverage. As per the Maine auto insurance laws, drivers are exactly required to at least have that minimum liability coverage so that they can meet the expenses after an accident. As per the state laws drivers in the state should have minimum of $50,000 for bodily injury per person, and $100,000 for bodily injury for more than one person. At the same time, drivers in the state should have $25,000 as minimum liability coverage for property damages and they may opt for the combined limitation 125,000. These limits have been added for the drivers in order to cover them in case of any injury and the damages that are common after the accident. If there is a third party policy holder involved in that accident, then also such limits can be utilized. If you will compare these minimum liability coverage or the limitations for Maine State, then you can find that it's really high with comparison to the other states in the USA. As far as the bodily injury segment is concerned, it will pay the required amount in case of injuries of the third party that has been caused by a policy owner. This sort of coverage will also guide you to meet the medical expenses, pain, and lost wages. It's the property damage coverage which will pay for the damages caused for the properties involved in that accident. It can pay the cost for vehicle damages, fence and house. It's the liability coverage that can really cover the amount required for bodily injury and property damage if that has been caused by a member of your family who has been covered under the policy you own. It will also cover the person if he or she is driving your car that has been insured and caused the damage.

Maine Auto Insurance

Additional Maine auto insurance requirements

As far as driver in this state are concerned, they are required to have both uninsured and underinsured coverage. This sort of coverage can be added for your existing polices in order to get more benefits in case of an accident. This sort of coverage is exactly required for the auto insurance policy owners to get the cost for medical expenses that may come into act due to traffic accident and when the other party involved in that accident is not having any auto insurance policy or can be called as the uninsured one. This sort of coverage can even help you to find cost for medical expenses if the other party involved in that accident doesn't have enough coverage or if he hit and run away after the accident. This sort of coverage will also pay for the passengers in your car during the time of accident. The Maine Bureau of Insurance has even mentioned that the limits for having an auto insurance policy should not go beyond the amount of minimum liability coverage that has been state with the policy. However, customers for auto insurance will have the option to buy limits that will meet the requirements as per the state laws. At the same time the customers are required to submit the written notice when the policy will be incepted. With addition to the above mentioned coverage amount, the drivers in the state are also required to buy Medical Payments. As of 1st January, 2008, the state now requires policy owners to have the minimum$2,000 for medical expenses on their policies. This sort of coverage will also cover the medical and funeral related expenses if the policy holder and the passenger involved in that accident are injured or some of them have been killed due to the severity of the traffic accident. There are several benefits of this coverage, as it can compensate the insured person and the members of his family if the vehicle has been struck at the pedestrian or by the cyclist or another automobile rider. It's the $2,000 minimum requirement which is really low, especially when you will compare this sort of cost with the medical expenses. If you are not having any healthcare plan or a life insurance policy, then it is always a wise move to enhance these limits.

DUI/DWI laws in Maine

There are several strict laws have been added for the Maine DUI and DWI regulations. These sort of strict laws have been imposed in order to make the driving safe and citizen's life better. Here the drivers use to follow the Maine OUI laws. As far as the state Maine is concerned, it has some tough OUI laws. As per the lowest level of OUI laws, the drivers may come across the jail situation that may lasts for 364 days. This may put you on a probation period which is up to one year and you may need to pay the fine for $2,000. It can even take your driving license for more than 18 months. The other party involved in the accident can even send you for the jail in case of any injury and death. Under such circumstance you may move for jail for years and the license will be revoked for lifetime. There are several penalties that use to lies between these two ranges. There are several instances which have been registered when the first time offenders have even offered serious penalties. You can call it OUI, DUI or DWI. In all the format it will be considered as the crime that involves drinking and driving while impaired. In Maine such law is known as the OUI. The first OUI may come into act when you are driving the car under the influence of alcohol or drugs or any other intoxicant substances.