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Maine Motorcycle Insurance Requirements

Maine Motorcycle Insurance Requirements

Maine is located in the Northeastern area a.k.a. the New England region of the United States. Maine is the most northeastern state in the New England area of the U.S. It is well known for its natural scenery made up of mountainous areas, heavy forests, and beautiful waterways. In regards to crime, Maine is considered the safest place in the U.S. to live. Various nicknames for this state include “The Pine Tree State” (due to its extensive forests) as well as “Vacation Land” (because the scenery is considered ideal for a vacation). The state is also well known for serving some of the best seafood in the nation, specifically when it comes to clams and lobsters.

The economy in the state of Maine is heavily involved in agricultural production. Things that are harvested include: wild blueberries, cattle, poultry, dairy products, apples, and eggs. Additionally, there is a large commercial fishing industry focused mostly towards catching lobsters. In addition to agriculture and fishing, it also has many industries including wood production, electronics manufacturing, bio-technology, and tourism.

Maine Motorcycle Insurance Requirements

Are you a resident of Maine that plans on driving a motorcycle or other two-wheeled vehicle? If you plan on cruising through the state referred to as “Vacation Land” on public roadways, you need to be legally prepared. Part of being legally prepared to ride involves getting proper licensing as well as demonstrating financial responsibility. Most people demonstrate financial responsibility by purchasing an insurance policy.

How to Establish Financial Responsibility in Maine

In many states, drivers are presented with a few alternative options to a liability insurance policy. These alternative options include things like surety bonds, self-insurance, as well as cash deposits. However, in the state of Maine, all drivers are required to buy insurance – regardless of circumstances. It is illegal to operate a motor vehicle in this state without having insurance.

  • Insurance Coverage – In the state of Maine, you are required to buy liability insurance from a state-licensed insurance company. The insurance that you buy must meet the minimum requirements as mandated by the state. Additionally, you must have uninsured motorists coverage and medical payments coverage on your policy.

Note: If you cannot afford an insurance policy due to your personal circumstances, contact the Maine Bureau of Motor Vehicles and ask questions. They can be reached at the following number: (207)-624-9000. You may be eligible for an “assigned risk” type policy through “The Maine Automobile Insurance Plan.”

Motorcycles / Two-Wheeled Vehicles Defined

If you own a motorcycle or other two-wheeled vehicle, read the various definitions below to better understand its classification. By understanding its official classification, you will be able to determine whether it needs to be registered and insured.

Motorcycle: Any vehicle with a seat or saddle for the driver that travels on not more than 3 wheels in contact with the road. These have engines exceeding 50 cc or electric motors. Wheels must be at least three inches in diameter to be considered legal.

Moped: A motorized vehicle with pedals for human propulsion that is designed to travel on not more than 3 wheels in contact with the road. These must have engines less than 50 cc displacement or an electric motor that does not exceed 1,500 watts.

Motor Scooter: An open motor vehicle that has a foot-board mounted on two wheels on which a driver sits on a mounted seat over an enclosed engine. These must not exceed 25 cc piston displacement and wheel diameters are less than 10 inches. If electrically powered, the motor must not exceed 750 watts.

If you are confused about the classification of your two-wheeled vehicle, contact the Maine Bureau of Motor Vehicles at the following number: (207)-624-9000. They will be able to answer questions regarding vehicle classification, registration, and insurance. Once you have determined the type of vehicle you own, you can read below to understand the insurance minimums that must be met before driving.

Maine Motorcycle Insurance Minimum Requirements

Maine is in the minority when it comes to requiring all drivers to meet fairly high liability limits as well as have uninsured motorist coverage. The state also mandates that you must have extra coverage for medical payments in case someone is seriously injured in an accident. Below are the coverage amounts that you should keep in mind while shopping for a policy.

Liability Insurance:

  • $50,000 bodily injury per person

  • $100,000 bodily injury per accident

  • $25,000 property damage per accident

Uninsured Motorist:

  • $50,000 per person

  • $100,000 per accident

Medical Payments:

  • $2,000 per person

It is common to see the liability requirements abbreviated as a “50/100/25” policy. Each number represents the amount (in thousands of dollars) that you are required to have for a specific type of coverage. In addition to the liability requirements, you also need uninsured motorist protection and medical payment coverage.

The majority of states do not require these additional types of coverage, but Maine wants their drivers to have above-average protection. Also keep in mind that despite the fact that more coverage is required in this state compared to other locations in the U.S. – it still may not be sufficient protection in the event of a severe accident. If you don’t think the minimal requirements are enough, you can always talk to an agent about increasing your limits.

Maine Laws: Safety & Licensing Requirements

Each state has specific requirements when it comes to usage of helmets, eye protection, headlights, and licensing. Below are some basic rules that you should keep in mind concerning these aspects of motorcycle law.

  • Helmets – Must be worn at all times if you have a learner’s permit. You also must wear helmets up to a full year after obtaining a motorcycle license. Additionally all passengers that are under 15 years of age must wear helmets. Helmets need to be in compliance with the FMVSS 218 standard.
  • Eye Protection – Maine is one of few states that does NOT require eye protection. It is still smart to protect your vision with some sort of riding goggles or eye-wear.
  • Headlights – All motorcyclists are required to use their headlights during the day.
  • Licensing – In order to get an official motorcycle license / endorsement, you must complete proper state testing. You can take the Maine Motorcycle Safety Education Course and complete the state’s written examination, and take a road test with the Bureau of Motor Vehicles. An alternative option would be to complete the nationally designed Motorcycle Rider Course.

Proof of Insurance in Maine

It is highly important to always have proof of insurance while operating your two-wheeled vehicle in the state of Maine. If you aren’t able to prove that you have coverage, you may face a variety of legal repercussions. The most common way to prove insurance is to show the identification card that was issued to you from your insurer. Read below to understand how to prove that you have coverage.

  • Insurance ID Card – When you buy an insurance policy, your provider will issue you an identification card with your policy information. Always keep this with you while operating a motor vehicle.
  • Insurance Binder – If you haven’t yet received your identification card, you may have a temporary binder. This can be used as proof of coverage until you receive your identification card.
  • Insurance Documentation – For individuals that don’t have an insurance card or binder, you may use proper documentation to prove that you have a policy. This includes paperwork under your name that is able to prove that you have adequate coverage.

Note: Various documentation must include: your name, your motorcycle information, insurance policy information including the amount of coverage you have, your provider, policy number, and expiration dates.

Penalty for Lack of Insurance in Maine

Anytime you are caught without insurance, you are going to face a variety of legal penalties. To avoid these penalties, make sure that you always have a valid insurance policy and proof with you while driving. If you fail to renew your coverage or cancel a policy and are caught driving without it, your license may get revoked and you may end up having to pay fines.

  • Citation:  Maine law enforcement may issue you a citation for not having proof of insurance. Not only will you need to pay this citation, but you will need to immediately purchase insurance.
  • Revoked License:  Failure to have insurance can result in a revoked driver’s license for an extended period of time.
  • Suspended Registration:  The registration of your motorcycle will be suspended for a designated length of time. This means that no one will be able to operate it until registration is reinstated.
  • Reinstatement Fees:  You will be required to pay various fees to get your license and registration reinstated. These may total hundreds of dollars and must be paid before you gain back driving privileges.
  • SR-22 Certificate:  These must be utilized by individuals that are caught without insurance to prevent suspension of license and registration. This will allow the state and BMV to keep tabs on your insurance and make sure that you have a current policy with adequate coverage through a licensed provider.

Maine Motorcycle Insurance Companies

To find a good deal on motorcycle insurance coverage in the state of Maine – or any state – you need to compare coverage and pricing. The goal for most shoppers is to find a policy that meets their personal needs for the best possible price. In order to make your search process easier, you can use the form below by entering your Zip Code and clicking “Start!”

Once this is done, a list of providers in your specific location will be listed. From the list, it is up to you to gather quotes and compare them with the coverage that each company is offering. After you have conducted a comparison, you can wisely choose a company that best suits needs and budget. When you have received proof of coverage, you can ride freely through the Pine Tree State!

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