Maine residents who ride a motorcycle registered in the state must prove they have insurance to cover the cost of damages, either property or injury, in the case of an accident. To show proof that you are financially responsible, you must carry liability insurance, uninsured motorist coverage and medical payments coverage, per Maine law. Before you search for quotes for motorcycle insurance in Maine, be sure you know what type of coverage fits your needs, motorcycle and lifestyle.
Although other states offer a few options to establish financial responsibility, Maine only requires its resident riders to purchase motorcycle insurance. If your specific situation does not afford you the ability to purchase a policy, look into the state’s assigned risk initiative.
Read below for the state’s minimum motorcycle insurance requirements; they are no different from what is required for automobiles.
The Maine Automobile Insurance Plan can assist you if you cannot obtain coverage through normal means. The state requires all insurance companies who sell insurance policies in Maine to contribute to this shared market.
The state does not require vehicle registration or insurance for all vehicles, so if you are unsure whether your vehicle requires registration or insurance coverage, contact the Bureau of Motor Vehicles (BMV) at 207-624-9000, ext. 52149.
Here’s how ME defines two-wheel vehicles:
As stated above you must purchase liability insurance, uninsured motorist coverage and medical payments coverage from an auto insurance provider.
The motorcycle minimums to satisfy the financial responsibility law are 50/100/25:
Before you settle on a particular insurance quote, do some research on the types of coverage available. You might consider purchasing more coverage than the state’s minimum requirements, depending on the value of the assets you wish to protect.
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 to prove that you are insured:
Whatever acceptable form of evidence you use, be certain it displays the following:
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 charge of uninsured operation; or registration and license suspension.
If a Maine police 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.
Finding the right motorcycle insurance so you can cruise one of Maine's beautiful highways and back roads is just a click away. Whether you enjoy riding street bikes, standard hogs, choppers, etc. insuring yourself is a must. Get insurance quotes from a Trusted Choice® independent insurance agent and start riding with ease.