Maine Auto Insurance & Crash Law

VictimsGuide’s Maine library organizes the rules that matter after a serious motor-vehicle crash: compulsory liability insurance, medical-payments coverage, uninsured and underinsured motorist protection, claims handling, employer and commercial coverage, government claims, comparative negligence, damages, settlement, liens, subrogation and controlling case authority.

Maine rules to identify early

• Minimum liability: Maine requires at least $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 for property damage.
• MedPay: Maine requires at least $2,000 per person in medical-payments coverage for qualifying policies, with covered medical costs incurred within one year after the injury.
• UM/UIM: minimum UM/UIM limits are 50/100, and higher liability limits generally produce matching UM limits unless the insured validly selects lower UM limits in writing.
• Comparative negligence: Maine bars recovery when claimant fault is equal to or greater than the defendant’s fault and otherwise requires a just-and-equitable reduction of damages.
• Government claims: claims under the Maine Tort Claims Act require separate notice and immunity analysis.

Preserve the complete policy, MedPay and UM/UIM endorsements, crash report, photographs, video and electronic evidence, and investigate household, employer, commercial, umbrella and excess coverage before executing a release.

Current-law review: September 17, 2026. Verify current Maine statutes, Bureau of Insurance guidance, appellate authority and the policy actually issued before relying on this educational guide.