Maine · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Maine: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Claim under your required uninsured motorist coverage for injuries. Uninsured/underinsured motorist coverage is required, at least $50,000/$100,000; on private passenger policies it must equal your bodily injury liability limits unless you reject that in writing on the insurer's form (24-A M.R.S. § 2902; Bureau of Insurance guide).

Uninsured motorist (UM) coverage: Included unless you reject it
Minimum liability: 50/100/25
Insurance system: Fault (tort)

Uninsured motorist coverage in Maine

Uninsured / underinsured motorist (UM/UIM): Uninsured/underinsured motorist coverage is required, at least $50,000/$100,000; on private passenger policies it must equal your bodily injury liability limits unless you reject that in writing on the insurer's form (24-A M.R.S. § 2902; Bureau of Insurance guide). Medical payments of at least $2,000 and towing/storage coverage of up to $500 are also required.
Liability minimum: 50/100/25
Official text: Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Maine

Claim under your required uninsured motorist coverage for injuries.

Penalties for driving uninsured in Maine

Driving uninsured is a traffic infraction with a $100-$500 forfeiture, and the Secretary of State suspends the person's license or registration (29-A M.R.S. § 1601).

How fast an insurer must handle a claim in Maine

On your own policy, a claim for benefits is payable within 30 days after the insurer gets proof of loss and the amount is agreed (or set by arbitration); overdue payments earn interest (24-A M.R.S. § 2436).
Unfair claims practices are banned by 24-A M.R.S. § 2164-D.

Claiming from the uninsured driver in Maine

Small claims limit for car damage in Maine: $10,000 since January 1, 2026 (was $6,000). Maine small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Maine

Report the crash to the police. Report the crash right away (State Police, sheriff or city/town police) if it happens on a public way and anyone is hurt or killed or damage looks like $2,000 or more. Reporting a crash in Maine and getting the police report
Write down the other car's plate and get witness names.
Claim under your uninsured motorist coverage; in Maine it is included unless you reject it.
If your coverage doesn't pay everything, sue the driver before the deadline: 6 years for both property damage and injury. Deadlines to sue in Maine, with the calculator

Free help in Maine

Questions about uninsured drivers in Maine

Is uninsured motorist coverage required in Maine?

Uninsured/underinsured motorist coverage is required, at least $50,000/$100,000; on private passenger policies it must equal your bodily injury liability limits unless you reject that in writing on the insurer's form (24-A M.R.S. § 2902; Bureau of Insurance guide). Medical payments of at least $2,000 and towing/storage coverage of up to $500 are also required.

What happens if you drive without insurance in Maine?

Driving uninsured is a traffic infraction with a $100-$500 forfeiture, and the Secretary of State suspends the person's license or registration (29-A M.R.S. § 1601).

What can I do if an uninsured driver hits me in Maine?

Claim under your required uninsured motorist coverage for injuries.

What is the minimum car insurance in Maine?

50/100/25

How long do I have to sue an uninsured driver in Maine?

6 years for property damage and 6 years for injury.

How fast must an insurer handle a car insurance claim in Maine?

On your own policy, a claim for benefits is payable within 30 days after the insurer gets proof of loss and the amount is agreed (or set by arbitration); overdue payments earn interest (24-A M.R.S. § 2436). Unfair claims practices are banned by 24-A M.R.S. § 2164-D.

More for Maine drivers

Nearby states

Sources

Last checked: Oct 24, 2026.