Question 1

Does Maine allow UM/UIM stacking?

Accepted Answer

The statute does not say. Title 24-A, section 2902 requires uninsured vehicle coverage, defines underinsured vehicles and sets how underinsured coverage is calculated, but it does not address adding limits from several vehicles or policies. Your policy wording and Maine court decisions decide it, and we did not find a controlling decision we could read, so ask an attorney before relying on a stacked figure.

Question 2

Is underinsured coverage separate in Maine?

Accepted Answer

No. Maine's uninsured vehicle coverage covers owners or operators of uninsured, underinsured and hit-and-run vehicles. An underinsured vehicle is one with coverage below the minimum bodily injury limits or below the limits of your own uninsured vehicle coverage (24-A MRSA 2902(1)).

Question 3

How much does underinsured coverage pay?

Accepted Answer

For a single injured person, your underinsured limit minus what the at-fault driver's liability coverage actually paid you, and no more than the damages you are legally entitled to recover. For several injured people, the statute sets the same subtraction per person and reduces it further by any unpaid balance of the at-fault driver's coverage (2902(6)).

Question 4

What are the minimum limits, and can I choose lower UM?

Accepted Answer

UM may not be less than the minimum liability limits: $50,000 per person and $100,000 per accident (29-A MRSA 1605). Your UM must equal your liability limits unless you expressly reject that amount in writing, on the insurer's form, signed, dated and with the statutory wording (24-A MRSA 2902(2)).

Question 5

How long do I have to sue?

Accepted Answer

Civil actions must generally be commenced within 6 years after the cause of action accrues (14 MRSA 752). That is the tort deadline; ask an attorney about the deadline in your own policy for a claim against your insurer.

Maine UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Maine's UIM is a difference-in-limits rule, and its stacking rule is left to your policy

Maine UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Maine's UIM is a difference-in-limits rule, and its stacking rule is left to your policy

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