02-031-391 Me. Code R. § 3

Current through 2024-46, November 13, 2024

Section 031-391-3 - INSURANCE IDENTIFICATION CARD STANDARDS

1. An insurer that delivers, issues for delivery, or renews in this State a policy insuring against liability arising out of the ownership, maintenance, or use of any motor vehicle must provide the named insured with a form of insurance identification card for each vehicle for which the policy provides liability coverage satisfying the requirements of 29-A M.R.S. §1605.

2. An insurance identification card may be provided in the following formats:

A. An image capable of displaying in a readable manner the information required in paragraphs 3 through 6 below on a portable electronic device as described in Section 4 below; or

B. The card described in Section 5 below.

3. The following information must appear on an insurance identification card:

A. The heading or title "Maine Motor Vehicle Insurance Identification Card";

B. A statement that the card should be kept in the insured vehicle and presented upon the demand of a law enforcement officer;

C. The name of the insurer;

D. The name of the insured;

E. The policy number;

F. The policy effective date and expiration date;

G. A statement that the policy provides the minimum liability insurance coverage required by law;

H. A description of the covered vehicle, including its year, make, model, and identification number assigned by the manufacturer. If the policy covers all vehicles owned by the policyholder on a blanket basis, and the policyholder owns five or more vehicles, the insurer may substitute the phrase "all owned vehicles" for a description of the vehicle; and

I. Except for policies insuring commercial vehicles, the name of each person excluded from coverage by an endorsement to the policy made under 24-A M.R.S. §2916-B.

4. Other information may appear on the front or reverse of an insurance identification card, such as a security watermark, the insurer's logo, the insured's address, or the agent or broker office. Instructions regarding the card may appear on a tear-off, carrier strip, or either face of the card. However, no such other information may obscure in any way the information required in paragraph 3 above.

5. An insurer may issue a temporary insurance identification card pending the issuance of a permanent card. A temporary insurance identification card must comply with this Rule and include the word "temporary" in its heading or title.

6. An insurance identification card provided for a continuous policy must indicate that the policy is continuous. The insurer must provide the named insured with a new card before each anniversary of a continuous policy.

7. The filing requirements of Title 24-A M.R.S. Chapter 27 do not apply to insurance identification cards.

02-031 C.M.R. ch. 391, § 3