It is illegal to operate a vehicle in Maine without state-required minimum liability insurance coverage. Violating this law can lead to license suspension. To reinstate your driver’s license after a suspension, you’ll need to buy SR22 insurance in Maine, a type of high-risk insurance. Not all insurance companies offer SR22 insurance. Some providers will even cancel your existing auto insurance policy if you need it. UltraCar Insurance specializes in providing high-risk insurance, with quick, accurate filing of your certificate.
What is SR22 insurance in Maine?
SR22 is a financial responsibility form you must file to reinstate your suspended driver’s license. It is a guarantee of future financial responsibility. In this case, the guarantee is that you will carry the insurance in exchange for regaining your driving privileges.
Your insurance provider endorses the financial responsibility certificate to your auto insurance policy and files it with the Maine Bureau of Motor Vehicles (BMV). This filing paves the way for the reinstatement of your driver’s license. The company that issues your policy monitors it while the state requires you to maintain it, usually for three years. If your Maine SR22 policy lapses or expires during that time, the insurance company submits an SR26 form to the Maine BMV. This filing notifies the state that you’re not in compliance, which results in immediate license suspension.
Common reasons for SR22 insurance
- Operating a vehicle without insurance
- Refusal to take a breath or blood test
- DUI or DWI offenses
- Uninsured auto collisions
- Multiple driving offenses against a driver’s DMV record
- Child support or neglect cases
- Court orders / Legal judgments
Maine SR22 without a vehicle
If you need to have your license reinstated and don’t own a vehicle, you’ll purchase Maine Non Owner SR22 Insurance. Non-owner insurance coverage differs from owner-operator SR22 insurance in Maine, as it insures one person rather than a vehicle.
Maine BMV
You’ll find additional information about financial responsibility (SR22) and license suspension/revocation on the Maine BMV website.
UltraCar Insurance compares the rates of top insurance companies to get you the lowest rate possible for SR22 insurance in Maine. Look no further for affordable Maine SR22 insurance! Get an online quote or call to talk with one of our friendly agents today!
