Title 24-A, Title 24-A

An insurer may not sell or renew a motor vehicle liability insurance policy on or after January 1, 1994 with a provision that excludes coverage for injury to the insured or any family member of the insured.

An insurer may not impose a surcharge or otherwise increase the rate for a motor vehicle insurance policy solely on the basis that the named insured, a member of the insured's household or a person who customarily operates the insured's vehicle has had an operator's license suspe…

An insurer may not refuse to issue motor vehicle liability insurance to an applicant solely because the applicant is a volunteer driver. An insurer may not impose a surcharge or otherwise increase the rate for a motor vehicle policy solely on the basis that the named insured, a m…

1. Discount; accident prevention course required. Any rates, rating schedules or rating manuals for the liability, personal injury protection and collision coverages of a motor vehicle insurance policy submitted to or filed with the bureau must provide for an appropriate discount…

The liability of every insurer which insures any person against accidental loss or damage on account of personal injury or death or on account of accidental damage to property shall become absolute whenever such loss or damage, for which the insured is responsible, occurs. The re…

Whenever any person, including an administrator, executor or guardian, recovers a final judgment against any other person for any loss or damage specified in section 2903, the judgment creditor is entitled to have the insurance money applied to the satisfaction of the judgment by…

All contracts of motor vehicle casualty insurance delivered or issued for delivery in this State covering motor vehicles registered in this State shall provide coverage for the value of the sales tax credit that would have been available upon trade thereof at the highest book val…

1. As used in this section, unless the context indicates otherwise, the following terms have the following meanings. A. "Cancellation" means termination of a policy at a date other than its expiration date. [PL 1985, c. 671, §1 (NEW).] B. "Expiration date" means the date upon whi…

1. As used in this section, "owner" means the owner of a motor vehicle, the owner's agent, employee or independent contractor. 2. The superintendent may not approve any policy required pursuant to Title 29‑A, section 1612, unless coverage is provided for both the owner and operat…

1. Request for information. Every insurer shall provide loss information concerning an insurance policy to its insured within 30 calendar days of the receipt of a written request from the insured or an insurance agent or other authorized representative of the insured. An insurer …

1. Policy requirements. A casualty insurance policy subject to this chapter may not provide for subrogation or priority over the insured of payment for any hospital, nursing, medical or surgical services or of any expenses paid or reimbursed under the medical payments coverage in…

If an insurer uses the value of a comparable motor vehicle to assess the value of a damaged motor vehicle, the comparable motor vehicle used by the insurer must be in Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Rhode Island or New York and the value of that compara…

This subchapter shall be known as the "Maine Automobile Insurance Cancellation Control Act." Unless otherwise specified, all hearings held under this subchapter shall conform to the procedures set forth in the Maine Administrative Procedure Act, Title 5, chapter 375, subchapter I…

As used in this subchapter, unless otherwise required by the context, the following words shall have the following meanings. [PL 1973, c. 339, §1 (NEW).] 1. Policy. "Policy" means an automobile insurance policy providing bodily injury liability, property damage liability, medical…

This subchapter shall not apply to any policy: [PL 1973, c. 339, §1 (NEW).] 1. Insured under an automobile assigned risk plan; 2. Covering garage, automobile sales agency, repair shop, service station or public parking place operation hazards; 3. Insuring more than 4 automobiles;…

No policy may be cancelled except by notice to the insured and any other person mentioned in the loss payable clause of an automobile physical damage policy, as provided in this subchapter. [PL 1973, c. 339, §1 (NEW).] No notice of cancellation of a policy shall be effective unle…

A notice of cancellation of a policy is not effective unless received by the named insured at least 20 days prior to the effective date of cancellation, or, when the cancellation is for nonpayment of premium, at least 10 days prior to the effective date of cancellation. In the ev…

An insurance company authorized to transact business in this State may not refuse to issue, cancel or refuse to renew, reduce liability limits for or charge a higher premium for a policy for the sole reason that an applicant for coverage, a person to whom such policy has been iss…

A notice of nonrenewal may not be issued unless it is based upon a reason for which the policy could have been cancelled or unless it is based upon one or more of the following grounds that occurred during the 36-month period preceding the yearly anniversary date of the policy. A…

In order to avoid cancellation or nonrenewal of an automobile insurance policy, and to allow an insurer to provide or to continue to provide coverage without an unreasonable risk, an insurer and the named insured may agree, by an endorsement to the policy signed by the interested…

If an insurer files a plan with the superintendent to discontinue business in a line of insurance subject to this subchapter, the superintendent may authorize the nonrenewal of policies in that line of business if the plan filed by the insurer demonstrates the availability of sub…

An insurer may not fail to renew a policy except by notice to the insured as provided in this subchapter. A notice of intention not to renew is not effective unless received by the named insured at least 30 days prior to the expiration date of the policy. In the event the policy …

If an insured obtains a 2nd policy which provides equal or more extensive coverage for any vehicle designated in both policies, the first policy's coverage of such vehicle may be terminated by failure to renew as of the effective time and date of the 2nd policy, whether or not th…

Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of renewal.

Any named insured who has received a statement of reason for cancellation, or of reason for an insurer's intent not to renew a policy, may, within 30 days of the receipt of a statement of reason, request a hearing before the Superintendent of Insurance. The purpose of this hearin…

When automobile bodily injury and property damage liability coverage is cancelled or not renewed, other than for nonpayment of premium, the insurer shall notify the named insured of the named insured's possible eligibility for automobile liability insurance through the Maine Auto…

In the event of impairment or serious financial difficulty of an insurer, the superintendent shall have the authority to suspend the provisions of this Act from applying to the policies of the financially distressed insurer.

1. Notices. Except as provided in Title 10, chapter 209‑B, no insurer or licensed agent or employee of the insurer may be held liable in any civil action for statements made in a notice of cancellation or intent not to renew under this chapter if: A. The statements were made in g…

If no payment for renewal of a policy has been received by the insurer 15 days prior to the expiration date of the policy, the insurer shall notify the insured in accordance with this section. Written notice shall be mailed or delivered to the named insured no less than 10 days p…

1. Definitions. As used in this section, unless the context otherwise indicates, the following terms have the following meanings. A. "Authorized driver" means: (1) The renter; (2) The renter's spouse, if that person is a licensed driver meeting the rental company's minimum age re…