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Maine Insurance Laws

A summary of the driving safety laws for the state of Maine can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Maine.

The Maine Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in ME allows for hurricane deductibles. Hurricane deductibles can be applied when the National Weather Service issues a hurricane warning for the area where the property is located.

Maine has minimum auto insurance amounts that are required by law. The table below shows the ME minimum car insurance limits.

Resources Available to Consumers

The Maine Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.