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Maine SR22 Insurance

Maine SR22 Insurance

Maine SR22 Insurance

The Bureau of Motor Vehicles in the State of Maine requires drivers to provide proof of financial responsibility through an SR-22 certificate of insurance after a judgment suspension. An SR-22 certificate of insurance provides the Bureau of Motor Vehicles with the assurance that you will maintain the required insurance coverage.

  • Who Needs SR-22 Insurance in Maine?
  • How Do I File a Maine SR-22 Insurance?
  • How much does an SR-22 cost?
  • Maine SR22 Requirements
  • Maine DUI Law and OUI Law
  • Maine’s Ignition Interlock Device (IID) Program

Who Needs SR-22 Insurance in Maine?

In Maine, SR-22 car insurance must be carried by drivers who were at fault in an accident that caused property damage, injury, or death and were uninsured at the time. In addition to uninsured drivers, drivers who were convicted of DUI, unsatisfied judgments, or drivers whose licenses were revoked for other reasons, need Maine SR-22 insurance.

Who Needs SR-22 Insurance in Maine?

In Maine, SR-22 car insurance must be carried by drivers who were at fault in an accident that caused property damage, injury, or death and were uninsured at the time. In addition to uninsured drivers, drivers who were convicted of DUI, unsatisfied judgments, or drivers whose licenses were revoked for other reasons, need Maine SR-22 insurance.

How Do I File a Maine SR-22 Insurance?

Your car insurance company files a Maine SR-22 insurance form with the Maine Secretary of State. They may charge a processing fee, which can vary among agencies. The car insurance company generally files the Maine SR-22 auto insurance form within 30 days of your request. Once accepted, you will receive your Maine SR-22 insurance from your car insurance company, accompanied by a letter from the Maine Secretary of State.

If you filed for SR-22 insurance recently, enter your ZIP code to start looking for affordable car insurance rates using our FREE comparison tool.

https://sr22insurance.net/sr22-insurance-quotes/

How Do I File a Maine SR-22 Insurance?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50. But it’s not necessarily the fee that’s most costly when you’re in need of an SR-22. You’ll also typically see higher premiums than you’re used to.

The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.

If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.

Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction you’re considered a “high risk” driver by the state and most providers.

Ask your provider how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

Maine SR22 Requirements

The state of Maine requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $50k Per Person Bodily Injury
  • $100k Per Accident Bodily Injury
  • $25k Property Damage

While these limits are minimum they are rarely recommended levels of coverage.

Maine DUI Law and OUI Law

Under Maine driving laws, it is unlawful to operate a motor vehicle with a BAC limit above the stated limit. BAC stands for blood alcohol content. The following are limits set by law:

  • All Drivers – BAC LIMIT = 0.08%
  • Minor Drivers (under age 21) – Zero Tolerance
  • Commercial Drivers – BAC LIMIT = 0.04%

If you are under the age of 21 operating a motor vehicle under the influence of drugs and/or alcohol, your license will be suspended for a minimum of 1 year. There is a zero tolerance policy which means any alcohol found in your system is considered an OUI. Be sure not to drive if you have taken medication such as cold medicine which can contain a small amount of alcohol.

Maine’s Ignition Interlock Device (IID) Program

An ignition interlock device is a breathalyzer that is attached to your ignition. It prevents someone who has been drinking from even starting a vehicle. Before a driver can start the vehicle, he or she must provide a breath sample that does not exceed the device’s preset limit. In Maine, this limit is 0.025. The device will also ask for a random retest every five to fifteen minutes. The IID is programmed to record any attempt to tamper with the device.

Contact SR-22 Insurance today for your free Maine SR22 insurance quote. Compare rates and see how affordable SR-22 insurance can be. Our experienced staff can assist you with all of your licensing needs, including finding a state-approved Ignition Interlock provider and filing the appropriate forms for early restoration of your driving privileges.

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