Best Car Insurance in Maine

Insurance companies in Maine do not have a specific amount of time in which they must settle an insurance claim. Instead, state law requires them to settle claims "within a reasonable time following receipt of written notice".

Even though Maine does not require a specific timeframe for the resolution of insurance claims, you still have the right to an efficient settlement. If you think that your insurance company is violating the law or operating unethically, you can file a “bad faith” lawsuit, which can award you the original settlement amount with added interest and penalties.

With that being said, it's important to remember that several factors can affect exactly how long it takes for an insurance company to settle a claim. For example, severe accidents, claims involving bodily injury, and poor communication between involved parties can all slow down the process.

No, you cannot insure a car with a salvage title in Maine. Salvage vehicles are cars that have been declared a total loss, meaning they're too damaged to be worth repairing and cannot be driven legally. As a result, no legitimate car insurance company writes policies for them.

Although insurance companies in Maine won't insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it's declared safe to drive, the DMV will issue the car a rebuilt title. Several insurance companies, including Allstate and Geico, sell policies to vehicles with a rebuilt title.

Keep in mind that some insurers will only sell liability insurance for rebuilt cars, meaning that they won't pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it's totaled again.

You can get car insurance discounts in Maine based on how you drive, the car you own, and your relationship with your insurance company. In Maine, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.

Almost anyone can get a discount on car insurance in Maine because most insurance companies make it easy to qualify for a variety of savings. Maine insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Maine drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Maine residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

Car Insurance Discounts in Maine

Remember, discounts vary among different insurance companies, so it's always best to contact the provider directly to determine which discounts you qualify for.

No, you do not need uninsured motorist property damage (UMPD) insurance in Maine. In fact, drivers in Maine do not even have the option to purchase UMPD coverage.

Instead of UMPD, you can purchase collision insurance, which is an optional type of coverage that pays to repair or replace your vehicle after any accident, regardless of fault.

No, personal injury protection (PIP) is not required in Maine. PIP is not even available in Maine. Instead of PIP insurance, Maine insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident. Maine requires drivers to have at least $2,000 of medical payments coverage.

MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost wages or assistance with home tasks that you can't manage due to injury.

Personal injury protection is a type of car insurance used in no-fault states, since it covers medical payments regardless of who caused an accident. Maine is an at-fault state, which means at least one driver is found to be “at fault” after a collision. Due in part to the differences in car insurance laws, the average cost of insurance in Maine – $584 – is very low compared to both PIP states and other non-PIP states.

PIP & Insurance in Maine: