Maine SR-22 Insurance
SR-22 Insurance in Maine provides high-risk drivers with the necessary proof of financial responsibility required to reinstate their driving privileges after a major traffic violation.
Maine SR-22 Insurance Requirements for Drunk Driving Convictions
The Bureau of Motor Vehicles in the State of Maine requires drivers to provide proof of financial responsibility through an SR-22 certificate of insurance after a judgment suspension. An SR-22 certificate of insurance provides the Bureau of Motor Vehicles with the assurance that you will maintain the required insurance coverage for the future. The most common reason that a person must file an SR-22 form is because of a conviction related to drunk driving.
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Maine Insurance Requirements
The State of Maine requires all vehicles to maintain liability coverage. The mandatory minimum liability insurance coverage limits are:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
A driver may also carry a Combined Single Limit of $125,000 to meet the mandatory minimum requirements. Furthermore, Maine law requires that all vehicles carry a minimum of $2,000 per person in medical payments coverage.
Failure to maintain the mandatory minimum liability coverage can result in severe consequences, including high fines, suspension of your driving privileges, and a criminal conviction.
Operating Under the Influence (OUI) in Maine
In the State of Maine, if you are caught driving with a blood alcohol content of 0.08 percent or more, you may be convicted of operating under the influence (OUI). State law allows the Secretary of State to immediately suspend your license based solely on an arrest for an OUI using the police result and chemical test results. A first offense with no aggravating factors, you could face a license suspension of 150 days and a fine of $500. If you have a blood alcohol content of 0.15 percent or more, were traveling 30 mph or more above the speed limit, attempted to elude an officer, or had a passenger under the age of 21, you could face jail time on a first offense. If you refuse a chemical breath or blood test, even on a first offense, you could face a license suspension of at least 275 days. Second or subsequent OUI offenders could face multiple years without their driving privileges.
Restoring Your Driving Privileges with an Ignition Interlock Device (IID)
Under certain circumstances, a driver who committed an OUI offense may be eligible to restore their driving privileges early with the installation of an ignition interlock device (IID). On a first offense OUI, a person who elects to install an IID may have their driving privileges reinstated after a 30-day hard suspension. They must maintain the device for the duration of the 150-day suspension. In order to qualify for early reinstatement, you must receive approval from the Secretary of State. You can file an Ignition Interlock Petition Form with the Bureau of Motor Vehicles. With the petition, you must submit a $50.00 application fee and complete the driver education, evaluation, and treatment program (D.E.E.P.).
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Penalties for OUI Conviction
First Offense with aggravating factors
Jail Time: 48 hour minimum
Fine(s): $500
Driver's License Suspension: 150 days
First Offense without aggravating factors
Jail Time: -
Fine(s): $500
Driver's License Suspension: 150 days
First Offense with refusal to test
Jail Time: 96 hour minimum
Fine(s): $600 minimum
Driver's License Suspension: 275 days
Second Offense
Jail Time: 7 days minimum
Fine(s): $700 minimum
Driver's License Suspension: 3 years
Second Offense with Test Refusal
Jail Time: 12 days minimum
Fine(s): $900 minimum
Driver's License Suspension: 3 years
Third Offense
Jail Time: 30 days minimum
Fine(s): $1,100 minimum
Driver's License Suspension: 6 years
Third Offense with Refusal to Test
Jail Time: 40 days minimum
Fine(s): $1,400 minimum
Driver's License Suspension: 6 years
Fourth Offense
Jail Time: 6 months minimum
Fine(s): $2,100 minimum
Driver's License Suspension: 8 years
FAQs About SR-22 in Maine
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
Get Your License Back with Breathe Easy Insurance
Contact Breathe Easy Insurance today for your free Maine SR22 insurance quote. Compare rates and see how affordable SR-22 insurance can be. Our experienced staff can assist you with all of your licensing needs, including finding a state-approved Ignition Interlock provider and filing the appropriate forms for early restoration of your driving privileges. Call our offices now at 844-580-7525 and get back on the road sooner.
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