ME

Maine Insurance Regulations

Consumer rights and insurance laws in Maine

Overview

Maine Bureau of Insurance oversees insurance regulation within the Department of Professional and Financial Regulation. Maine has one of the longest statutes of limitations in the country at 6 years and higher-than-average minimum liability requirements.

Key Insurance Regulations in Maine

  • Modified comparative fault — barred at 50% or more fault
  • 6-year statute of limitations for personal injury and property damage
  • Mandatory auto insurance: 50/100/25 minimum liability

Filing an Insurance Complaint in Maine

If you believe your insurance company has acted unfairly or violated Maine insurance laws, you can file a complaint with the Maine Bureau of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Maine Bureau of Insurance typically responds to complaints within 30 days.

Maine Bureau of Insurance

Insurance Commissioner: Timothy N. Schott

Phone: (207) 624-8475

Website: https://www.maine.gov/pfr/insurance/

File a Complaint: Consumer Complaint Portal

Diminished value claims in Maine

Generally yes, but only against the at-fault driver's insurer. Maine has no statute on diminished value, and the Maine Supreme Judicial Court held in Hall v. Acadia Insurance Company (2002) that a standard policy promising to pay for repair does not cover it, so the claim is a third-party property-damage claim. You have six years to sue (14 M.R.S. § 752), and under Maine's comparative negligence statute your damages are reduced for your share of fault and you recover nothing if found equally at fault with the other driver.

Read the Maine diminished value guide

Insurance Claim Guides for Maine

Browse our detailed insurance claim guides tailored specifically to Maine laws and regulations.

Auto Insurance Claims in MaineHome Insurance Claims in MaineHealth Insurance Appeals in MaineInsurance Denial Letter Templates in MaineDemand Letter Guide in MaineInsurance Settlement Calculator Guide in MaineDiminished Value Claims in MaineTotal Loss Dispute Guide in MaineBad Faith Insurance Claims in MaineUnderinsured Motorist Claims in MaineUninsured Motorist Claims in MaineRental Car Insurance Coverage in MaineGAP Insurance Claims in MaineInsurance Subrogation Explained in MainePIP (Personal Injury Protection) Guide in MaineBodily Injury Claims in MaineProperty Damage Claims in MaineLiability Claim Process in MaineComprehensive Insurance Claims in MaineCollision Insurance Claims in MaineFlood Insurance Claims in MaineFire Insurance Claims in MaineTheft Insurance Claims in MaineVandalism Insurance Claims in MaineAuto Glass Insurance Claims in MaineHail Damage Insurance Claims in MaineWind Damage Insurance Claims in MaineWater Damage Insurance Claims in MaineMold Insurance Claims in MaineRoof Damage Insurance Claims in MaineFoundation Damage Claims in MaineSinkhole Insurance Claims in MaineEarthquake Insurance Guide in MaineHurricane Insurance Claims in MaineTornado Damage Insurance Claims in MaineLightning Damage Insurance Claims in MaineTree Damage Insurance Claims in MaineFence Damage Insurance Claims in MaineAppliance Breakdown Claims in MaineIdentity Theft Insurance Claims in MaineCyber Insurance Claims in MainePet Insurance Claims in MaineTravel Insurance Claims in MaineLife Insurance Disputes in MaineDisability Insurance Claims in MaineWorkers' Compensation Claims in MaineLong-Term Care Insurance Claims in MaineDental Insurance Appeals in MaineVision Insurance Claims in MainePrescription Drug Appeals in MaineAccident Scene Documentation in MaineInsurance Adjuster Tactics in MaineDiminished Value Calculator Guide in MaineTotal Loss Vehicle Valuation in MaineCCC Valuation Report Explained in MainePain and Suffering Calculation in MaineMedical Bills in Auto Claims in MaineLost Wages Insurance Claims in MaineFiling a Bad Faith Insurance Lawsuit in MaineWhen to Hire a Car Accident Lawyer in MaineInsurance Claim Timeline Guide in MaineIndependent Vehicle Appraisal Guide in MaineAppraisal Clause in Auto Insurance in MaineDiminished Value by State in MaineTotal Loss Threshold by State in MaineRental Car After an Accident in MaineYour Rights During Car Repairs in MaineOEM Parts in Insurance Claims in MaineInsurance Negotiation Tactics in MaineDemand Package for Auto Claims in MaineCommon Insurance Claim Denial Reasons in MaineStatute of Limitations for Auto Claims in MaineFiling Claims in No-Fault States in MaineAt-Fault Accident Claims in MaineComparative Negligence in Claims in MaineUninsured Motorist Property Damage in MaineHit and Run Insurance Claims in MaineParking Lot Accident Claims in MaineRideshare Accident Insurance Claims in MaineCommercial Vehicle Accident Claims in MaineDeer Collision Insurance Claims in MaineFlood Car Damage Claims in MaineCatalytic Converter Theft Claims in MaineCar Break-In Insurance Claims in MaineTire Blowout Accident Claims in MainePothole Damage Insurance Claims in MaineHail Damage Car Claims in MaineHow to Review Your Auto Insurance Policy in MaineAuto Insurance Coverage Gaps in MaineMulti-Vehicle Accident Claims in MaineDisputing Fault Determination in MaineFiling an Insurance Commissioner Complaint in MaineNegotiating Diminished Value Claims in MaineFighting a Total Loss Declaration in MaineBodily Injury Settlement Guide in MaineInsurance Fraud Prevention Guide in MaineSubstandard Auto Repair Claims in MaineTotal Loss Buy-Back Process in MaineInsurance Claims After a DUI in MaineCommercial Auto Insurance Claims in MaineStorage Unit Insurance Claims in Maine

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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