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Maine Insurance FAQs

• Q: Why Is The Insurance Company Not Returning All Of My Premium?
  A: Depending on the type of policy, you may be required to pay a minimum premium, or the premium may be fully "earned." In other instances, if you replaced your coverage … More
• Q: I Was In An Accident Caused By Someone Else. Their Insurance Company Wont Pay For All Of My Damages. What Can I Do About This? Can The Bureau Help Me?
  A: The Bureau can investigate to determine the reason why the company has not accepted full responsibility for the loss. Often third­party cases are paid on the basis … More
• Q: What Is The Law Regarding Diminished Value?
  A: Maine Insurance Laws do not specifically address diminished value. We do know that many insurers honor these claims when they can be documented, such as when a … More
• Q: What Is The Fair Settlement Value For My Damaged Car? What If I Owe More On It Than It Is Worth?
  A: The insurance company should be able to tell you what sources they are using to determine what is known as the "actual cash value" of your vehicle. If you believe … More
• Q: Why Wont The Insurance Company Accept Direct Billing From The Rental Car Company?
  A: In most situations, the claimant or insured uses his or her own credit card to rent the vehicle and is then reimbursed by the company. If an individual does not have a … More
• Q: Am I Required To Complete A Medical Questionnaire?
  A: Insurance companies generally may not cancel your coverage if you do not respond to a medical questionnaire. The only exception to this is if your policy is considered … More
• Q: Why Am I Required To Carry Uninsured Motorists Coverage?
  A: Uninsured motorists coverage is required by law. It was introduced many years ago to try to address problems that arise when people are involved with accidents with … More
• Q: For What Reasons Can The Company Cancel (Non-Renew) My Policy?
  A: During the first 60 days the policy is in effect, the insurer may cancel for any reason, as long as they give you adequate advance notice. Once the 60 day period has … More
• Q: Can The Insurance Company Tell Me What Repair Shop/Glass Shop I Have To Use?
  A: Insurers cannot require you to use certain repair shops. However, they are not required to pay whatever price your repairer charges. As a general rule, insurers will … More
• Q: The Adjuster Says That The Company Will Only Pay For A "Replacement Crash Part" Instead Of Ordering A New Part From The Factory. Is This Legal?
  A: Yes. Insurers are not required to put new parts on used vehicles. Replacement parts are now of high quality and don't generally cause problems for consumers. If your … More
• Q: How Much Time Does The Homeowners Insurance Company Have To Pay My Claim?
  A: Your insurance policy specifies the time within which your claim must be either paid or denied. Usually you are required to submit a "Proof of Loss" which documents … More

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