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Automobile Insurance

At GHM Insurance we are proud to offer you coverage options for the vehicles that drive your life forward. Please keep GHM in mind for all your insurance needs.

To insure a vehicle, you must be the titled owner or have a written lease agreement. If there are two or more titled owners of a vehicle they should all be listed as named insureds on the policy. Being listed as a driver on a policy does not satisfy the requirement of insurable interest. Below is an outline of common coverages available under most auto insurance policies.

GHM recommends you thoroughly review all your insurance policies and call us if you have any questions or do not understand any of the coverages, conditions, limitations or exclusions within your policies.

Coverage Options

Liability Coverage
If you or someone driving your vehicle is responsible for a serious auto accident, you want to be certain you have as much liability protection as possible to protect your personal assets. Most insurance carriers offer up to $500,000 of liability coverage. The State of Maine requires a minimum for bodily injury of $50,000 each person/$100,000 each accident, and property damage of $25,000 (or $125,000 combined single limits). If you would like to know how little it would cost to increase this important coverage, please contact our office.

Medical Payments
This coverage protects you and your passengers for minor injuries sustained related to a motor vehicle, regardless of fault or circumstance.

Uninsured/Underinsured Motorist Protection
This important coverage protects you against the person who does not purchase Auto insurance or has inadequate liability limits. Although the State of Maine requires Auto insurance, not everyone carries it. Should an uninsured/underinsured vehicle hit your vehicle and cause injury to you and/or your passengers, it is Uninsured/Underinsured Motorist coverage that protects you. Most insurance carriers offer up to $500,000 of Uninsured/Underinsured Motorist coverage. The State of Maine requires a minimum for bodily injury of $50,000 each person/$100,000 each accident (or $125,000 of combined single limits).

Comprehensive Coverage(aka other than collision)
Comprehensive protects your vehicle for damages caused by fire, theft, vandalism, glass breakage, and certain other types of non-collision damage. Typically, there is a minimum of a deductible, however, deductibles may go higher to help reduce premiums.

Collision Coverage
This coverage protects your vehicle when it is involved in an accident. Typically, there is a deductible, however, you can reduce your premium by increasing your deductible. Collision protects your vehicle up to its actual cash value (book value) at the time of a covered claim.

Extended Non-Owned Liability Coverage
If you drive a company car or have regular access to a non-owned vehicle, or you have a child that has regular access to a non-owned vehicle such as a college roommate’s car, this coverage should be added to your auto policy.

Exclusions 
Some of the common exclusions found in most Auto policies include: livery, Uber, garage operations, non-owned vehicles available for your regular use (i.e. a company car or a car that is leased or loaned to you). If you use your vehicle in business we recommend you contact us to discuss it in more detail. Other exclusions may apply.

FAQs Discounts

T: 800-244-9046
F: 866-274-0005
51 Main Street
Waterville, Maine 04901
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34 Center Street
Auburn, Maine 04210
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Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
Report Online
800-527-3907

The Hanover Insurance Group
Report Online
800-628-0250

The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636

Jewelers Mutual Insurance Company
Report Online
800-558-6411

MEMIC
Report Online
800-636-4292

MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

Frequently Requested Forms

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"My brand new car was rear ended this summer. I called my GHM agent on her cell phone, she assured me everything would be alright. She answered all my questions thoughtfully, explained in clear detail what I needed to do and what to expect. She was spot on with every detail. And as it turned out, everything was alright. And that call I made...she answered it while on her honeymoon."

Joe T., Waterville, ME