# ME Insurance Bulletin 164: Youthful operators > Maine · Agency guidance · In force URL: https://www.frixlaw.com/law-library/statutes/ME_INS_B_164 ## Section - **Citation:** ME Insurance Bulletin 164 - **Heading:** Youthful operators - **Jurisdiction:** Maine - **Kind:** Agency guidance - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Maine Bureau of Insurance Bulletins / Youthful operators ## Text Bulletin 164 Youthful operators April 3, 1989 The Automobile Insurance Cancellation Control Act allows cancellation or nonrenewal for reasons relating to convictions, suspensions, or accidents. Title 24-A M.R.S.A. Section 2916-B allows the exclusion of operators who commit an act for which a policy could be cancelled or nonrenewed under Section 2914(4), relating to license suspensions or revocations, or Section 2916-A(1) or (2), relating to convictions and accidents. These three sections, when read together, indicate that a covered person cannot be nonrenewed or excluded for any other reason. It has come to the attention of the Bureau of Insurance that youthful operators are being excluded from coverage or are otherwise being limited on existing policies. These practices are not permitted under the Automobile Insurance Cancellation Control Act. A resident youthful operator may not be excluded from his/her parents' policy except for those reasons allowed under 24-A M.R.S.A. Section 2916-B. If a youthful operator has his/her own policy, whether or not he/she owns a vehicle, he/she cannot be rated as a youthful operator on the parents' policy. If the youthful operator's policy is through another company or an unaffiliated company, the insurer of the parents can require continuous proof of insurance for the youthful operator but may not surcharge the parents' policy for a youthful operator. If a resident youthful operator is not covered or ceases to be covered under a separate policy, then the youthful operator shall be carried on the family policy and may be subject to surcharge either as a principal operator or occasional operator. Joseph A. Edwards Superintendent of Insurance NOTE: This bulletin is intended solely for informational purposes. It is not intended to set forth legal rights, duties or privileges nor is it intended to provide legal advice r a separate policy, then the youthful operator shall be carried on the family policy and may be subject to surcharge either as a principal operator or occasional operator. Joseph A. Edwards Superintendent of Insurance NOTE: This bulletin is intended solely for informational purposes. It is not intended to set forth legal rights, duties or privileges nor is it intended to provide legal advice. Readers are encouraged to consult applicable statutes and regulations and to contact the Bureau of Insurance if additional information is needed. ## Nearby sections - [ME Insurance Bulletin 108 Filing statistical information by property and casualty companies](https://www.frixlaw.com/law-library/statutes/ME_INS_B_108.md) - [ME Insurance Bulletin 143 Roll-on coverages](https://www.frixlaw.com/law-library/statutes/ME_INS_B_143.md) - [ME Insurance Bulletin 146 Health and Life filing requirement](https://www.frixlaw.com/law-library/statutes/ME_INS_B_146.md) - [ME Insurance Bulletin 156 Reports of pre-utilization review](https://www.frixlaw.com/law-library/statutes/ME_INS_B_156.md) - [ME Insurance Bulletin 158 Tie-in sales](https://www.frixlaw.com/law-library/statutes/ME_INS_B_158.md) - [ME Insurance Bulletin 159 Application of utilization review programs to mandated benefits for the treatment of mental illness, alcoholism, and drug dependency](https://www.frixlaw.com/law-library/statutes/ME_INS_B_159.md) - [ME Insurance Bulletin 161 Unfair discrimination against the handicapped](https://www.frixlaw.com/law-library/statutes/ME_INS_B_161.md) - [ME Insurance Bulletin 164 Youthful operators](https://www.frixlaw.com/law-library/statutes/ME_INS_B_164.md) - [ME Insurance Bulletin 166 Disclosure of workers' compensation reserving policy](https://www.frixlaw.com/law-library/statutes/ME_INS_B_166.md) - [ME Insurance Bulletin 168 Pre-effective date confidentiality of certain form and rate filings](https://www.frixlaw.com/law-library/statutes/ME_INS_B_168.md) - [ME Insurance Bulletin 174 Continuity of health insurance](https://www.frixlaw.com/law-library/statutes/ME_INS_B_174.md) - [ME Insurance Bulletin 176 Property and casualty insurance prospective loss cost filing procedures](https://www.frixlaw.com/law-library/statutes/ME_INS_B_176.md) - [ME Insurance Bulletin 179 Applicability of continuity of health insurance statute](https://www.frixlaw.com/law-library/statutes/ME_INS_B_179.md) - [ME Insurance Bulletin 182 Insurance identification cards](https://www.frixlaw.com/law-library/statutes/ME_INS_B_182.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ME_INS_B_164. Check the current official text before relying on it. Not legal advice.