Maine requires all drivers to purchase uninsured/ underinsured motorist (UM/UIM) coverage, and it often comes into play in many car accident lawsuits. The minimum limits of UM/UIM coverage are $50,000 per person and $100,000 per accident. Typically, it’s a good idea if you can afford it to purchase more than that, as a serious auto accident can result in damages that far exceed that amount.
Uninsured and underinsured motorist coverage can apply if you are:
- Injured in a crash caused by a driver with no car insurance;
- Injured as a pedestrian bicyclist or skateboarder struck by a vehicle;
- Injured in a hit-and-run accident or in a situation where a “phantom vehicle” enters your lane and causes you to veer off the road;
- Injured as a passenger in a motor vehicle;
- Injured in a crash caused by a driver whose bodily injury liability limits are lower than the limits of your UIM coverage.