Unless you have specifically elected for reduced coverage, your auto insurance policy will include coverage for accidents caused by uninsured motorists. This includes car accidents involving:
Hit-and-run drivers
Unidentified drivers who cause accidents where there is no contact between the vehicles
Drivers who do not have auto insurance
Drivers whose auto insurance policy limits are lower than your uninsured policy limits (referred to as “underinsured” drivers)
Importantly, Maine law allows for “stacking” of uninsured motorist policies. If your losses exceed your own uninsured motorist policy limit, you can “stack” both (i) the policy insuring the vehicle in which you were riding or driving and (ii) the policies of any relatives living in your household in order to maximize your financial compensation. This “stacking” rule applies to the med pay coverage discussed above as well.