An Act To Ensure Automobile Insurance Rates Are Maintained Upon The Death Of A Spouse

This bill prohibits Maine automobile insurance companies from increasing premiums, canceling policies, reducing liability coverage, or refusing to renew policies solely because a policyholder loses their spouse. It directly affects married individuals who experience the death of a spouse, preventing insurers from using that change in marital status as a basis for financial penalties. The key provision amends state law to make it illegal for insurers to adjust policy terms or costs "for the sole reason" of a spouse's death. This creates a clear legal requirement for insurers to maintain existing policy terms and rates after such a loss. The bill focuses on protecting policyholders from financial discrimination tied to a personal loss, not on other marital status changes.