Motorcycle Insurance Minimum Requirements in Maine

Maine Insurance Requirements for Motorcycles

As stated above you must purchase liability insurance, uninsured motorists coverage, and medical payments coverage from an auto insurance provider. Here are the motorcycle minimums to satisfy the financial responsibility law:

• $50,000 for the injury/death to any one person

• $100,000 for one accident resulting in injury/death of more than one person

• $25,000 for property damage

These values are most commonly displayed like so: 50/100/25.

Before you decide to buy, do some research on the types of coverage that are out there. You might consider purchasing more coverage than the state’s minimum requirements (depending on the value of the assets you wish to protect).

How Coverage Affects Helmet Requirements

The amount of coverage you purchase does not affect the state’s helmet requirements. Even if you have the most extensive policy, you still must meet state requirements for protective headgear.

Proof of Insurance and Financial Responsibility

You must notify the state when you obtain coverage; Maine does not have any direct-reporting system in place to notify the BMV. You can use any of the following as acceptable forms of evidence that you are insured:

• Your insurance card

• A declaration page or a letter from your insurance agent or insurance company

• An insurance binder

• A summary document of your insurance policy

Whatever acceptable form of evidence you use, be certain it displays the following:

• The amount of motorcycle insurance (state minimum liability requirements)

• The type of motorcycle insurance coverage

• The effective and expiration dates

• The policy number

• Your name

• Your motorcycle’s make, model, year, license plate numbers and VIN

Penalties for Failure to Maintain Financial Responsibility

When you register your bike, you must show proof of insurance. However, if after you register you allow your motorcycle coverage to lapse you could face penalties such as a fine, a ticket with a charge of uninsured operation, or registration and license suspension.

If a peace officer pulls you over and cites you for no proof of insurance, you must immediately purchase a policy with sufficient coverage. After doing so, you must file proof of financial responsibility via an SR-22 insurance certificate; otherwise, the state could suspend your registration and maybe even your license.

For more detailed info about SR-22 insurance certificates, suspensions, and showing proof of insurance, contact the BMV at (207) 624-9000, ext. 52108 or write:

• Bureau of Motor Vehicles

• Driver License Services Division

• 29 State House Station

• Augusta, Maine 04333-0029

You can also give the Bureau of Insurance a call at (207) 624-8475 or write:

• Department of Professional & Financial Regulation

• Bureau of Insurance

• 34 State House Station

• Augusta, Maine 04333-0034