The Insurance Research Council estimates that about one in eight Americans is uninsured.
Many others who abide by Maine’s mandatory insurance coverage may not carry enough to fully compensate you for your losses.
If you are in this situation, your UI/UM coverage can help pay for:
The part of your expenses from a multi-vehicle accident when the responsible party’s insurance must compensate several injured parties and does not pay enough to compensate you fully
Expensive medical treatment if you suffer a catastrophic injury in a life-threatening accident and the at-fault driver is underinsured
Extensive damage to your vehicle that exceeds the at-fault driver’s coverage, which is a minimum of $25,000 in Maine
The damage from a hit-and-run, as unknown drivers are categorized as uninsured in Maine