Coverage for uninsured or underinsured drivers is a protection for you if another driver hits your car but doesn't have insurance.
Car insuranceis mandatory in Maine, but some drivers break the law and drive without insurance. An uninsured driver is still financially responsible for any damage they've caused, but getting that money can be very difficult or time consuming. Uninsured or underinsured motorist insurance means that you can repair your car or go to the hospital without worrying about where you'll get the money to pay your bills.
Maine requires uninsured motorist (UM) insurance as part of the state's minimum coverage requirements. You can opt for insurance with higher coverage limits to ensure that you have sufficient protection for you and your passengers in the event of an accident. No-fault states are the exception, requiring each driver to use their own insurance to pay for medical expenses after an accident. MoneyGeek also ranked the best auto insurance companies in Maine for those who want solid service and affordable rates.
Authorities said the accident involved at least four cars when local firefighters arrived at the scene. After you file a claim with an insurance policy, an investigation is typically initiated into the circumstances surrounding the accident and the information you provide in support of your claim. If you don't have insurance and you drive your friend's car, your friend is in trouble for any damage you cause. Basic car insurance in Maine refers to the minimums set by the state for drivers to operate a car legally.
Some states require drivers to have PIP or MedPay, while collision insurance is often mandatory if you rent or finance your car. Police reported that her car hit a tree after colliding with several vehicles and that the woman was pronounced dead at the scene. You can file a claim under your own insurance policy, file a claim directly with the other driver's insurance company, or file a personal injury lawsuit against the driver at fault for the accident. He is passionate about using his knowledge of economics and insurance to bring transparency to financial issues and to help others trust their movements of money.
It's also helpful to ask if the other driver has insurance before you get behind the wheel of your vehicle. All Maine drivers must have liability insurance, medical payment coverage, and coverage for uninsured or underinsured motorists, at a minimum. In that case, your insurance would only have to take effect to cover gaps in your insurance policy or if your insurance ran out before the damages were fully covered.
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