9-A M.R.S. §4-106: Unconscionability

1. In applying the provisions of this Act on unconscionability, sections 5‑108 and 6‑111, to a separate charge for insurance, consideration shall be given, among other factors, to:

A. Potential benefits to the consumer including the satisfaction of the consumer's obligations;

B. The creditor's need for the protection provided by the insurance; and

C. The relation between the amount and terms of credit granted and the insurance benefits provided.

2. If consumer credit insurance otherwise complies with Parts 1, 2 and 3 of this Article and other applicable law, neither the amount nor the term of the insurance nor the amount of a charge therefor is in and of itself unconscionable in the absence of other practices and circumstances.