If you are caught driving without insurance in Maine, you can face of fine of between $100 and $500 and have your driving privileges suspended until you submit proof of insurance by filing an SR-22, which you will need to maintain for three years. Also, you will need to pay about $100 in fees in order to get your driving privileges reinstated.
In this state, approximately 4.5% of all drivers are operating uninsured vehicles. The good news is that this rate is significantly lower than the national average of 13.0%.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. If you are in an accident and the at-fault driver is uninsured, underinsured, or a hit-and-run driver, this mandatory coverage can pay for your medical expenses and, if you include the optional uninsured property damage coverage, damage to your vehicle as well.
Once your insurance company reimburses you for your losses, it will take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.