Maine Insurance Regulations

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.