A person may not register a vehicle in Maine unless the person satisfies the Secretary of State that the vehicle is covered by a liability insurance policy. Violation of this section of the law is a traffic infraction, for which a forfeiture of not less than $100 and not more than $500.

In Maine a car owner is mandated to have the State minimum liability coverage ($50,000/$100,000/$25,000). In simpler words one has to obtain:

• At least $50,000 worth liability coverage for bodily injury to 1 person.
• At least $100,000 worth liability coverage for all bodily injuries.
• At least $25,000 worth liability coverage for property damage.
• In addition, policyholders must also carry at least $1,000 for medical payments.

Maine state law also requires a minimum UnInsured/UnderInsured Motorist coverage of $50,000 per person, $100,000 per accident for any bodily injury caused by the uninsured driver.

Yes, in Maine insurance companies are required to inform the ME Bureau of Motor Vehicles (BMV) when a person's insurance has lapsed, cancelled or otherwise has been terminated. If this has been done you must provide evidence of active insurance to avoid suspension of your registration. Without this the car owner's registration certificate and plates for the uninsured vehicle will be suspended.

The electronic Notification of Insurance Cancellation Program (Title 29-A, section 1601-A of the state statutes) took effect January 1, 2005.This law requires insurers to report the cancellation or termination of mandatory liability insurance coverage on vehicles registered in Maine.

The law requires the Bureau of Motor Vehicles (BMV) to issue a notice to the owners of those vehicles—indicating that their registration will be suspended if they do not provide evidence that new insurance coverage has been obtained. Registrations will then be suspended if evidence of insurance is not provided within 30 days of the date BMV was notified by the insurance company

If you have received a letter from the Bureau of Motor Vehicles (BMV) notifying you that the BMV has received notification of termination of your insurance, you must provide evidence of active insurance before the effective suspension date listed at the beginning of that letter. They allow you to provide this proof online, by mail, by fax or in person at a BMV location.

If your privileges have already been suspended then to get them reinstated or restored you must provide proof of active auto insurance. If your registration suspension already is in effect or becomes effective before the Bureau receives your evidence of insurance, you also must pay a reinstatement fee of $35.00.

You will know when your registration certificate and plates have been restored when you receive a letter of reinstatement at your mailing address. The BMV notes that you should not consider that the registration has been reinstated prior to receiving a letter of reinstatement from the Secretary of State.

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