Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Maine Insurance Guide

From the rocky shoreline to the pastoral inlands, Maine offers the perfect balance for land lovers and ocean lovers alike. And as far as insurance is concerned, Maine is one of the most conservative and protective states around.

Maine Auto Insurance

Maine auto insurance regulators treat insurance coverage a little differently than other states. Not only do they require resident drivers to carry bodily injury liability, personal property liability and uninsured motorist coverage, but they also require that drivers have at least $1,000 in coverage for medical payments.

They also place high minimums on liability insurance:

  • $50,000 bodily injury liability in the event of a single-person injury
  • $100,000 bodily injury liability for multiple injury accidents
  • $25,000 property damage liability

There is no requirement for personal injury protection (PIP) and they are not a no-fault state.

Maine Health Insurance

Maine is one of only 6 U.S. states that requires pre-existing coverage for all individual policyholders. Because Maine health insurance regulations prevent insurers from discriminating against policyholders who have already been diagnosed with a chronic or recurring illness or injury there is no high-risk pool. Residents can also take a state income tax deduction for health savings account (HSA) contributions they make.

Small groups in Maine can get group health insurance with as little as one employee. Pre-existing conditions can be excluded from group policies if the insured had a 90 day or longer break in coverage over the past 6 months. Conditions can only be excluded for up to 12 months. Small group rates are protected by the process of adjusted community rating. This means insurers cannot increase rates based on health but can based on gender, geographical location and more.

Maine Home Insurance

Maine home insurance regulations do not require residents to carry home insurance but individual lender probably do. Residents near the coast may want to carry additional flood insurance and all residents should be wary of the occasional New England hurricane.

Maine Life Insurance

The Maine Life & Health Insurance Guaranty Association was created in 1983 to protect Maine life insurance policyholders against the unlikely event of insurer insolvency. In the event that an insurer becomes insolvent and is unable to pay claims, the association will issue up to $300,000 in death benefit payments and $100,000 in cash value withdrawals.

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