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What is Maine SR22 Insurance?
A Maine SR22 car insurance form, or a financial responsibility insurance form, is a document that serves as proof that a driver is financially responsible for carrying the minimum required amount of car insurance.
Who Needs SR22 Insurance in Maine?
In Maine, SR22 car insurance must be carried by drivers who were at fault in an accident that caused property damage, injury or death and were uninsured at the time; drivers who were convicted of DUI; drivers with unsatisfied judgments; or drivers whose licenses were revoked for other reasons.
Are There Different Types of Maine SR22 Forms?
Yes, there are three types of Maine SR22 auto insurance coverage. Operator’s SR22 insurance covers motorists who do not own a vehicle. The Owner’s Certificate covers motorists who own a vehicle. The Operator’s-Owner’s Certificate covers all vehicles owned or not owned by a motorist.
Is SR22 Car Insurance Required in Maine?
All motorists in Maine must carry liability insurance or file a SR22 certificate with the Maine Secretary of State. Failure to do so results in a $500 fine and suspension of your driver’s license and registration if an officer stops you during a traffic stop or accident.
How Do I File a Maine SR22 Car Insurance Form?
Your insurer files a Maine SR22 auto insurance form with the ME Secretary of State. Your insurer may charge a processing fee, which can vary among agencies. You can go here to request a quote from state-authorized agencies in your area. The insurer generally files the Maine SR-22 auto insurance form within 30 days of your request. Once accepted, you will receive your Maine SR-22 insurance from your insurer, accompanied with a letter from the Maine Secretary of State. You must maintain the Maine SR-22 car insurance for three years and renew it at least 15 days before it expires. If you do not renew your SR22 15 days before the expiration date, the insurer is required by law to notify the state of Maine, and your driving record will be suspended until you reinstate Maine SR22 insurance.