Motorcycle Insurance in Maine
To prove that Maine’s motorcyclists have established financial responsibility, and can cover the cost of damages in the case of an accident, the following types of insurance are required: liability insurance, uninsured motorists coverage, and medical payments coverage. You can purchase your motorcycle insurance by using the form at the top of this page, which can also save you money on motorcycle insurance in the future.
Here’s how the state of Maine defines two-wheeled vehicles:
- A motor vehicle that has a seat/saddle to accommodate a rider; has either an electric motor (not less than 1,500 watts) or an engine with more than 50 cubic centimeters (cc); and has only two or three-inch (or larger) diameter wheels is a motorcycle.
- Moped is a motorized device with fully operative pedals for human-powered propulsion, with two or three-inch (or larger) diameter wheels, and has either an electric motor (less than 1,500 watts) or a liquid-fuel motor not exceeding 50 cc is a moped. For more specifics on mopeds, consult page 85 of the Maine Exam Manual.
- Rides that do not include electric personal assistive mobility devices, and are motor-powered scooters having a maximum piston displacement of less than 25 cc or an electric motor with a capacity not exceeding 750 watts is a motorized scooter. They travel on the ground using two or three wheels fewer than 10 inches in diameter.
If you are not sure whether your vehicle requires registration or insurance coverage, contact the Bureau of Motor Vehicles (BMV) at (207) 624-9000, ext. 52149.
Motorcycle Insurance Requirements
The minimum motorcycle insurance requirements in this state are listed below:
- $25,000 for property damage.
- $50,000 for the injury/death to any one person.
- $100,000 for one accident resulting in injury/death of more than one person.
These values are most commonly displayed like so: 50/100/25. You might consider purchasing more coverage than the state’s minimum requirements (depending on the value of the assets you wish to protect).
As it was already mentioned above you must purchase liability insurance, uninsured motorists coverage, and medical payments coverage if you want to establish financial responsibility. You can also get motorcycle insurance by using the insurance form at the top of the page.
If you are younger than 15 and you are the passenger of a motorcycle or attached side car, or you are the driver of an off-road motorcycle, you must wear protective helmet. Wearing a helmet is also required if you are using a learner’s permit or are within one year of satisfying a driving test.
Getting motorcycle insurance is the only way for riders to establish financial responsibility in Maine. In case your specific situation does not afford you the ability to purchase a policy, check out the state’s assigned risk initiative.
In case you cannot get insurance through regular means the Maine Automobile Insurance Plan can assist you. The state requires all insurance companies who sell insurance policies in Maine to contribute to this shared market.
Proof of Insurance
Maine does not have any direct-reporting system in place to notify the BMV, that’s why YOU must notify the state when you purchase a coverage. Below are listed the acceptable forms of evidence that you are insured:
- Insurance card.
- An insurance binder.
- A declaration page or a letter from your insurance company.
- A summary document of your insurance policy.
The forms of evidence you use, must display the following:
- The amount of motorcycle insurance (state minimum liability requirements).
- The type of motorcycle insurance coverage.
- The effective and expiration dates.
- The policy number.
- Your name.
- Your motorcycle’s make, model, year, license plate numbers and VIN.
You could be facing the following penalties for not having motorcycle insurance after registering your ride: a fine, a ticket with a charge of uninsured operation, or registration and license suspension. If a peace officer pulls you over and cites you for having no proof of insurance, you must immediately purchase a policy with sufficient coverage.
After that, you must file proof of financial responsibility via an SR-22 insurance certificate. If you don’t do that, the state of Maine could suspend your registration and maybe even your license. For information about SR-22 insurance certificates, suspensions, and showing proof of insurance, contact the BMV at (207) 624-9000, ext. 52108 or write:
Bureau of Motor Vehicles Driver License Services Division 29 State House Station Augusta, Maine 04333-0029
You can also give the Bureau of Insurance a call at (207) 624-8475 or write:
Department of Professional & Financial Regulation Bureau of Insurance 34 State House Station Augusta, Maine 04333-0034