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Types of Auto Insurance
Maine automobile insurance is designed for all types of motorists, drivers, and drivers who own automobiles. Every driver has a different set of requirements that he wants to meet when it comes to purchasing car insurance. Here are some tips and facts about auto insurance in Maine:

Primary Vehicle: The primary vehicle for your auto insurance coverage is required. It is always best if you have a separate policy for each vehicle on your list. You will also want to consider how much coverage you really need for each vehicle on your list. Most policies in Maine will require liability coverage on each vehicle. Minimum coverage for an automobile is usually $100 per vehicle and coverage increases by about 20% annually, based upon the manufacturer's recommendation.

Cars, Pickup Trucks, Trailers, SUV's: These four types of vehicles are more likely to get into an accident than a vehicle like a home or small airplane. This means your insurance policy will be required to include a policy that covers your primary vehicle. If your vehicle is an SUV or sports utility vehicle (SUV's), there is usually a minimum coverage requirement that will have an additional cost for added protection. To calculate your minimum policy requirement, multiply the number of passengers in your vehicle with your vehicle's weight.

Comprehensive: Comprehensive coverage provides a financial backing for damage or loss to your vehicle as a result of an accident. This type of policy will cover damage to your car that is covered by your other insurance policies such as liability insurance. A comprehensive policy is not mandatory but is recommended for most drivers. The basic purpose of this type of insurance coverage is to pay for repairs and medical costs that are covered by your personal auto insurance policy. The actual dollar amount of your car and/or your car's contents may not change as a result of an accident. However, if your vehicle was destroyed or stolen, you may be compensated for damages, or your car could be rebuilt and you may need to purchase an extended policy, depending on the amount of the loss.

Uninsured/Underinsured Motorist: Uninsured/Underinsured Motorist coverage allows for compensation when another driver causes damage to your vehicle without first paying your deductible. or policy limits. Your insurance company pays up to the difference between your deductible and the liability limits. if you are at fault for any damage. If insurance cost are at fault for any damage, your insurance company will cover the difference between your liability limits and your total car and the maximum limit.

linkedin : Most rental car companies have insurance that covers them for damage, theft, vandalism, etc. Theft and damage due to natural disasters are not covered in these policies. Renting a car that is parked in a rented spot does not always qualify as an accident. A vehicle can be damaged in a storm or other type of natural disaster that is not covered under your rental car coverage. Other insurance companies to cover certain events of damage or loss when renting cars, however. Make medium that your rental car provider is fully covered under your insurance policies.

Personal Possessions: Personal possessions such as jewelry, electronic equipment, and computers, as well as other belongings in the car are all examples of "personal" items. Personal possession coverage is usually not as expensive as most people think.

With the amount of coverage you receive, it is easy to understand why so many people choose auto insurance for their vehicles. Auto insurance in Maine is a necessity to be certain that you are getting the proper coverage for your car and your finances. Be sure to do your homework, ask plenty of questions, and compare rates to get the best deal.
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