Many people do not understand how their Maine automobile insurance policy can work for them. S
uppose you are in a vehicular crash and the other driver is at fault but flees or does not carry any or enough coverage to compensate you.
Maine insurance policies require some of the highest minimum underinsured/uninsured motorist (UI/UM) coverage in the country. Your passengers are also covered under these amounts.
Along with liability and property coverage, you must carry:
$50,000 uninsured motorist coverage per person
$100,000 uninsured motorist coverage per accident
$2,000 in medical payment (MedPay) coverage that can help allay the cost of medical or dental treatment
For example, say you sustain $100,000 in bodily and property damage after a reckless motorist hits your car.
If the motorist has a $50,000 policy limit for bodily injury per person, your insurance company will pay the additional $50,000 from your uninsured/underinsured coverage.