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Maine Car Insurance Information
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The value of good car insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. |
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Let one of our experienced Maine car insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Click on the link below to fill out a quote request form for a
Car Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or speak with our Maine Car Insurance agent specialist at 207-496-3661 to discuss the features. |
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Covers damage caused to the insured's car (your car) from risks
such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the car insurance policy. |
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We are your local Aroostook County, Maine full-service insurance agency, offering
affordable Maine Car Insurance policy premiums to residents of the following towns and counties: Caribou, Presque Isle, Van Buren, Houlton, Perham, Washburn, Crouseville, Mapleton, Fort Fairfield, Ashland, New Sweden, Portage, Limestone, Mars Hill, Bridgewater, Easton, Blaine, Guerette, Keegan, St. Agatha, Grand Isle, Fort Kent, Madawaska, St. John, St. Francis, Dickey, Clayton Lake, Allagash, Winterville, Knowles Corner, Smyrna Mills, Littleton, Ludlow, Millinocket, Bangor, Waterville, Pittsfield, Augusta, Auburn, Lewiston, Bar Harbor, Ellsworth, Belfast, Bucksport, Bath, Portland, Saco, Biddeford, Penobscot County, Piscataquis County, Somerset County, Washington County, and Cumberland County, ME. |
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Learn more about Maine Car Insurance
policy coverage options below! |
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Covers damage caused to the owners car from a collision
caused by another car or other object. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part
of a car insurance policy. Maine's minimum liability insurance coverage requirements are 50/100/25 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums required by Maine law. Contact us at 207- 496-3661 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Liability limits explanation:
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50/100/25 50=$50,000 - 100=$100,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in
an accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such
as a motorcycle, car, truck, fence, or house, is covered through property damage car insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. |
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Benefits Provided Include:
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Medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Disability benefits for any loss of gross income and loss of earning capacity
from inability to work because of an injury suffered in an accident. |
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Maine Car Insurance Policy FAQ
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Maine Car Insurance Policy FAQ
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Maine does not require "no-fault" car insurance coverage. This coverage
pays medical bills for injuries suffered in a car accident regardless of who caused the accident. |
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Medical payments coverage pays for the medical and funeral expenses for
you or others hurt or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required for Maine Car Insurance and your insurance policy must have a minimum of $1,000 of medical payments coverage. |
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Maine Car Insurance Policy FAQ
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50/100 50=$50,000 - 100=$100,000
First number = uninsured motorist maximum for one person injured in
an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run
driver or an at-fault driver who has no car liability insurance. This is required for Car Insurance in Maine. Maine's minimum uninsured motorist insurance coverage requirements are 50/100 and is explained in detail below. Contact us at 207-496-3661 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Maine Car Insurance Policy FAQ
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Protects you if your car is damaged in an accident caused by a driver who
has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in Maine. |
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This type of car insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The car insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required coverage in Maine. |
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Underinsured Motorist Bodily Injury Coverage
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Underinsured Motorist Property Damage Coverage
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Click on the link below to fill out a quote request form for a Car Insurance
policy that will provide excellent car insurance coverage at an affordable cost. Or speak with our Maine Car Insurance agent specialist at 207-496- 3661 to discuss the features. |
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Maine Car & Business
Insurance Specialists
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Kieffer Insurance
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Proudly Serving
Maine since 1926!
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Car
Insurance
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Kieffer Insurance
101 High Street
Caribou, Maine 04736
Aroostook County, ME
(207) 496-3661
Fax: (207) 498-6012
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