2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2916-A. Nonrenewal -- reasons

§2916-A. Nonrenewal -- reasons
A notice of nonrenewal may not be issued unless it is based upon a reason for which the policy could have been cancelled or unless it is based upon one or more of the following grounds that occurred during the 36-month period preceding the yearly anniversary date of the policy. A nonrenewal is effective only on the policy's yearly anniversary date.   [PL 2007, c. 188, Pt. C, §6 (AMD).]
1.  Convictions.
When a named insured or any operator who either resides in the same household or customarily operates an automobile insured under the policy is convicted of any of the following:
A. Operating a motor vehicle while intoxicated or impaired by the consumption of alcohol or drugs;   [PL 1979, c. 336, §1 (NEW).]
B. Homicide or assault arising out of the use of the operation of a motor vehicle, criminal negligence in the use or operation of a motor vehicle resulting in the injury or death of another person or use or operation of a motor vehicle directly or indirectly in the commission of a felony;   [PL 1979, c. 336, §1 (NEW).]
C. Operating a motor vehicle in excess of the speed limit or in a reckless manner where injury or death results therefrom;   [PL 1979, c. 336, §1 (NEW).]
D. Operating a motor vehicle in excess of the speed limit or reckless driving or any combination thereof on 3 or more occasions;   [PL 1979, c. 336, §1 (NEW).]
E. Operating a motor vehicle insured under the policy without a valid license or registration in effect, except when the person convicted had possessed a valid license or registration which had expired and was subsequently renewed, or during a period of revocation or suspension thereof or in violation of the limitations set forth on the operator's license;   [PL 1979, c. 336, §1 (NEW).]
F. Operating a motor vehicle while attempting to avoid apprehension or arrest by a law enforcement officer;   [PL 1979, c. 336, §1 (NEW).]
G. Filing or attempting to file a false or fraudulent automobile insurance claim or knowingly aiding or abetting in the filing or attempted filing of any such claim;   [PL 1979, c. 336, §1 (NEW).]
H. Leaving the scene of an accident without reporting;   [PL 1979, c. 336, §1 (NEW).]
I. Filing a false document with the Secretary of State or the Bureau of Motor Vehicles or using a license or registration obtained by filing a false document with the Secretary of State or the Bureau of Motor Vehicles;   [PL 1991, c. 837, Pt. A, §50 (AMD).]
J. Operating a motor vehicle in a race or speed test; or   [PL 1979, c. 336, §1 (NEW).]
K. Knowingly permitting or authorizing an unlicensed driver to operate a motor vehicle insured under the policy.   [PL 1979, c. 336, §1 (NEW).]
[PL 1991, c. 837, Pt. A, §50 (AMD).]
2.  Accidents.
When a named insured or any other person who operates a motor vehicle insured under the policy is individually or are aggregately involved in 2 or more vehicle accidents while operating a motor vehicle insured under the policy or under another policy issued by the same insurer for a motor vehicle in the same household, resulting in either personal injury or property damage in excess of the amount defined as a reportable accident under Title 29‑A, section 2251, subsection 1. For the purpose of this subsection any of the following occurrences involving a motor vehicle operated by a named insured or such other person is not considered an accident when:
A. The motor vehicle was struck from the rear;   [PL 1979, c. 336, §1 (NEW).]
B. The motor vehicle was struck while parked;   [PL 1979, c. 336, §1 (NEW).]
C. Only the operator of another motor vehicle involved in the accident was convicted of a crime, offense or violation contributing to the accident; or   [PL 1979, c. 336, §1 (NEW).]
D. The named insured or other operator of the motor vehicle insured under the policy or the insurer of the policy, was reimbursed by or on behalf of, a person responsible for the accident or has a judgment against that person.   [PL 1999, c. 617, §2 (AMD).]
When more than one motor vehicle in a household is insured by the same insurer, the aggregate number of accidents that would permit nonrenewal of the policy or policies insuring those vehicles must be increased by one for each additional motor vehicle insured.
[PL 2003, c. 26, §1 (AMD).]
3.  Insurability.
When there is a material change in the type of motor vehicle insured which so substantially increases the hazard insured against as to render the motor vehicle uninsurable in accordance with the insurer's underwriting standards in effect at the time the policy was issued or last renewed; provided that if the insured motor vehicle is uninsurable for physical damage coverages only, the insurer shall offer to renew the policy without the physical damage coverages.
[PL 1979, c. 336, §1 (NEW).]
SECTION HISTORY
PL 1979, c. 336, §1 (NEW). PL 1987, c. 261 (AMD). PL 1991, c. 837, §A50 (AMD). PL 1999, c. 617, §2 (AMD). PL 2003, c. 26, §1 (AMD). PL 2007, c. 188, Pt. C, §6 (AMD).