Maine’s regulator lists 50/100/25 liability, a $125,000 combined alternative, $2,000 medical payments and 50/100 UM/UIM.
Key takeaways
- Read Maine’s distinct coverage lines
- Higher liability affects the UM question
- A Maine election worksheet
On this page
Coverage requirements at a glance
| Coverage | Amount or rule | Scope and exceptions |
|---|---|---|
| State-specific coverage rule: Higher liability affects the UM question | The source lists UM/UIM minima of $50,000/$100,000 and says UM should equal a higher liability limit unless the higher UM amount is rejected in writing. Read the completed election, not just the premium summary. | Undated page; current law applicability and higher UM written election need human check. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Higher liability affects the UM question |
Maine’s regulator lists 50/100/25 liability, a $125,000 combined alternative, $2,000 medical payments and 50/100 UM/UIM.
Read Maine’s distinct coverage lines
The Bureau lists $50,000 injury per person/$100,000 per accident and $25,000 property damage, or a $125,000 combined single limit. Medical payments of at least $2,000 per person is a separate requirement.
Higher liability affects the UM question
The source lists UM/UIM minima of $50,000/$100,000 and says UM should equal a higher liability limit unless the higher UM amount is rejected in writing. Read the completed election, not just the premium summary.
Compare the same protections
Keep driver details, term, use and vehicle protection constant while comparing prices. Ask whether changes affect an entire premium or a selected line. Do not assume required medical payments replaces health insurance or pays every claimed expense.
Compare Maine’s split and combined liability options
Hypothetical: An established covered accident creates $70,000 of injury damages to one other person and $20,000 of property damage. Assume no other claims or adjustments. At 50/100/25, the person limit leaves $20,000 of that injury loss beyond the limit, even though the total injury loss is under the accident ceiling. At a $125,000 combined single limit, the combined $90,000 fits the shared ceiling. This compares structures, not prices or recommended protection.
| Structure | Injury amount within the example’s limit | Property amount within the example’s limit |
|---|---|---|
| 50/100/25 split | $50,000 of the $70,000 person claim | $20,000 |
| $125,000 combined | The combined $90,000 fits, assuming coverage | Shared with injury damages |
The UM/UIM selection still requires its own review. Do not calculate it by adding split liability figures together. Ask the insurer to show the corresponding injury limits and any completed higher-limit election.
Read medical payments as a separate benefit
A $2,000-per-person medical-payments limit is not a household pool. Hypothetically, two eligible occupants each have $1,500 of covered expenses. Each amount fits its own limit under the simplified assumptions; one occupant’s unused capacity does not necessarily increase the other’s benefits. Actual expense eligibility and coordination must be checked.
When asking about a medical bill, identify the injured person, bill date, service and insurance payments already made. Ask for a written benefit calculation rather than subtracting the liability deductible from a medical bill. Keep the medical-payment provision distinct from the liability and UM endorsements.
A renewal comparison for a changed household
If a driver moves home, starts commuting or regularly uses another vehicle, update the application facts before requesting competing offers. Keep selected liability structure, medical payments, UM/UIM and vehicle deductibles constant. Then compare the full-term cost and payment charges.
For a complaint or correction, supply the declarations and actual written election. State whether the disputed issue is a missing benefit, an inaccurate driver record or a valuation. That makes the request answerable without asking the regulator to choose your limits.
Sources and review scope
Maine Bureau of Insurance: Insurance Required by Law. Source access/inspection: October 12, 2026. The coverage needs checklist can organize the policy discussion; it does not establish legal compliance.
Sources & references
Use these references to verify the information in this guide.
Policy terms and state requirements can change. Verify details with official sources and a licensed professional. Read our editorial standards.