Why is my uninsured motorist coverage so high in Maine?

My car is only worth $6,000 and I have a $50,000/$100,000 limit for uninsured motorist bodily injury. I also have a $50,000 limit for uninsured motorist property damage. I have full coverage on my vehicle and don't really understand why I have to have such high limits.

“Regardless of the value of your vehicle, every driver in Maine must carry at least the minimum insurance required by the state. This includes uninsured/underinsured motorist coverage at the limits you currently have.
Drivers are required to have this to ensure that they are properly protected on the road. If an uninsured driver causes a significant amount of damage to you and your vehicle, you’ll want to make sure you’re financially covered. If your expenses exceed your limits, you’ll have to pay them out of pocket.
Uninsured/underinsured motorist coverage can also cover lost wages or loss of use after an accident. Being over-insured isn’t a bad thing. Even if you think you’ll never need this coverage, it’s better to have it and not need it, than to need it and not have it.
If cost is an issue, shop around. There’s always the possibility of saving money with another carrier.
An intelligent AI-based tool like Jerry is the easiest and most effective way to find an affordable car insurance policy.”
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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