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Maine Auto Insurance

Maine Auto Insurance questions and answers

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Q: Where can I find out the minimum requirements for auto insurance in Maine
And how much different the costs will be than CA. Is ME typically more expensive than CA because of weather conditions?

A: Go to this page my friend: http://janus.state.me.us/legis/statutes/29-A/title29-Asec1605.html A. Conform to section 1606, subsection 2; [1993, c. 683, Pt. A, §2 (NEW); 1993, c. 683, Pt. B, §5 (AFF).] B. Include the condition that the obligor must, within 30 days of rendition of judgment, satisfy the judgment in an action to recover damages: (1) To property or for bodily injury, including death; (2) Accidentally sustained during the term of the policy by a person other than the insured, employees of the insured actually operating the motor vehicle or another person responsible who is entitled to worker's compensation benefits; and (3) Arising out of the ownership, operation, maintenance, control or use of a vehicle within the limits of the United States of America or Canada; and [1993, c. 683, Pt. A, §2 (NEW); 1993, c. 683, Pt. B, §5 (AFF).] C. Be in the amount or limit of at least: (1) For damage to property, $25,000; (2) For injury to or death of any one person, $50,000; (3) For one accident resulting in injury to or death of more than one person, $100,000; and (4) For medical payments pursuant to section 1605-A, $2,000. [2007, c. 213, §1 (AMD); 2007, c. 213, §3 (AFF).]

Q: what are some good on-line (or off-line) auto insurance companies?
Currently Geico is the insurance carrier, and now , after moving from Maine to NY state, they are saying the rate will be much over double what is being paid now. I am ready to find a new insurance company. What are some auto insurance companies I can check into?

A: Wonder Woman II, For car insurance the fastest method to get a low quote is do a auto policy comparison. If you choose the same coverage levels, you can get an fast quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to make sure you get accurate comparison. To get fast auto quotes, go to http://www.autoadviceonline.com/Free-Auto-Insurance-Quote.html and you can compare all the major auto insurance companies.

Q: Help! driver's license and auto insurance?
so I just got my driver's license (im 18), but i don't have a car yet. im driving my mom's car, is that ok? do we need to call the insurance comany and tell them to add my name to our car insurance? do we need to pay extra money? thanx for ur time! p.s. we r in Maine

A: You must notify your Insurance company because your insurance company, by law, must cover any licensed driver in the household. The insurance premium will raise but you have to do it or your Moms policy will be canceled.

Q: Insurance quotes??? ?
im 16, defiantly getting my license at the age of 17. im taking drivers ed. Im looking for auto insurance for a 1995 Mitsubishi 3000GT. Its my first time going for insurence. My parent is on ALLSTATE, i got a quote from them...very expensive. i know it will be expensive because im 16,Male, and the car is in the SPORTS catagory, but can u find me some cheap insurence? I live in Caribou, Maine. ZIP CODE: 04736. Cheapest insurance quote with source gets best answer.

A: You can actually do a quote w/out a social security number, some companies use the address when running the POS score.

Q: Who 'police's' the police?
I live in a small town in Maine. A large number of the residents are unhappy with the police dept. They only enforce the law when it serves their purpose. They file incomplete accident reports, do not return calls from insurance investigators, do not know the posted speed limits in town areas and recently let a hit and run driver (a death resulted from the incident) without auto insurance off without any charges. Is there a state agengy that oversees local police departments?

A: In most small departments, the Chief or supervisors will initiate an investigation. I would suggest that you get a list of FACTS together (BE prepared to prove anything you say) and request a meeting with the Chief. Failing that, you can always show up at your town select boards monthly meetings and present your concerns to the select board. One thing many people do not know is that your Elected town grand Juror can also initiate an investigation into any wrong doings in the Police department. The States Attorney and the Attorney Generals office will also steer you in the correct direction.

Q: And the lights all went out in Massachusetts?
When I was driving a UHaul through MA, the town police caught me with a Maine driver's licence and cited me with unlicensed operation of a motor vehicle. According to the police, I was supposed to have converted to MA driver's licence and MA auto insurance 30 days after I had set foot in MA. At the court, I was given option to negotiate with the prosecutor who happened to be a really nice young woman. I had to prove I was resident of Maine. Part of the negotiation was I donate $50 to some kinda fund to aid people hit by uninsured operators and I would be free. I had to pay $50 + court fees? Okay, I was also driving at 45 at a 35 mph downhill. MA has its own price-controlled auto insurance scheme and no insurance company operating in the other 49 states would operate in MA. They seem extremely enthusiastic in inducting as many non-MA residents to be part of their "socially-advanced" state. Don't you think MA is an extremely megalomaniac communistic/socialist state? I did attempt explaining to the town police officer. He gave me a"talk to the hand" gesture and said "tell your story to the judge". This happened more than two years ago.

A: Well, I'm italian so I don't know the situation, I've just read what you write about. I don't think it's necessarily a "communistic" way to solve the trouble. I say "trouble" because in my country the insurance companies (in my opinion) are not in a real competition, but they make price fixing, following trust agreements. So, for example, we can buy cheaper insurance only from foreign companies, like Swiss ones; as an alternative we can choose telephonic companies. So if the MA controls the prices (i hope at a lower price than the national average) it shouldn't be a priori badly seen, or like a communistic/socialistic way of solving the problem. The compulsory donation you had to do seems fair to me. Anyway i'm not sure i've understood everything of your story.

Q: If you've ever lived in Jersey ...you'll appreciate this!!! I think its a darn good place to live !!?
If you've ever lived in Jersey ...you'll appreciate this!!! I think its a darn good place to live !! you dont have to worry about being blown away, washed away,or cooked to death !! its all here baby,,,,,,,,,,,,,,,,,,, New Jersey is a peninsula. Highlands, New Jersey has the highest elevation along the entire eastern seaboard, from Maine to Florida . New Jersey is the only state where all of its counties are classified as metropolitan areas. New Jersey has more race horses than Kentucky . New Jersey has more Cubans in Union City (1 sq mi.) than Havana , Cuba . New Jersey has the densest system of highways and railroads in the US . New Jersey has the highest cost of living. New Jersey has the highest cost of auto insurance. New Jersey has the highest property taxes in the nation. New Jersey has the most diners in the world and is sometimes referred to as the 'Diner Capital of the World.' New Jersey is home to the original Mystery Pork P

A: Ha ha! You really love New Jersey. Thanks for sharing that Jersey boy!

Q: What would you write on a sign if you were picketing a car dealership?
The dealership refuses to fix my vehicle under warranty. Finally after 4 months they figured out the problem by sending it to a mechanic at a different dealership. They want to put in a reused junk yard motor, because Maine law says you can refuse used parts and because it devalues the car and mechanics said NOT to let them put in a rebuilt motor, I said no, fix the engine or replace the car. Since i said no they took my loaner away. The problem started the day I bought it (check engine blinking) and it's been 16 months and still I'm waiting, 4 of those months it's been in the shop and I had make my car payments to their auto financing and pay insurance for a car I can't drive! Now I had to buy another car to drive as they took the loaner away. What do I put on the picket sign? I am picketing them for the next 2 or 3 days. (I am also handing out letters to people who ask questions). A used Mercury Sable from a Toyota dealership. Lemon law states 3 years or younger 16k miles or less. I don't fall within either Paul good idea! I already wrote to the attorney general now I'll write to them all stating I will be picketing. They r close enough where if I send it tomorrow they'll get it Wed and I could picket this weekend. I'll even have them have to sign for it. Let them sue me, bring it on! Then I'll report it to the media! Dealership sues woman because she complained they wouldn't fix her vehicle! Did I talk to the service manager? Oh yes many many times. I talked to one of the owners. I talked to the woman who's in charge of making the decisions to fix or not to fix vehicles. I talked to mechanics, to a guy who is a PR guy who tries to make u happy by pretending to be your friend and helping you deal with the dealership. Heh sure.. when I said NO for the 4th time to a used engine he called and left a nasty voicemail. "We need to get this taken care of now. Your ONLY choice is a used engine. I have spoken to ALL the owners" yeah sure right blah blah blah I ignored his call.. worthless is what he is.

A: Here is what you probably do not want to read, but don't picket the dealership. Simply because it does more damage to your character than it does to the dealership. People driving by will generally look at you and think "what is that nut's problem" A more effective solution is a letter to the editor in the local news paper and also a letter into any news paper from any community that dealership serves. Dealerships do not like negative publicity in a news paper. It is also far more professional than picketing. Try to just state the facts in your letter. Do not use terms like "they ripped me off". You want to look professional and not vindictive. Next I would contact whatever the state of Maine has that is similar to California's Department of Consumer Affairs/Bureau of Automotive Repair. Auto repair facilities do NOT like to be bothered with a visit from a Department of Consumer Affairs. This is because they make a day of it. They won't just review your case when they visit the dealer, they may want to review repair orders that have been recently closed by the service department to make sure all I's are dotted and all Ts are crossed. This always shows up as a strike against the shop which is public record. Once again, this has a far worse affect than picketing. My next course of action would be to file a lawsuit against the sales and finance department for the payments you made while the vehicle was down for repairs. They may want to settle out than to go to court. Once again, nothing beats the publicity of a law suit. It has far greater affects than a picket.