Maine Accident Policy
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FAQ
No, personal injury protection (PIP) is not required in Maine. PIP is not even available in Maine. Instead of PIP insurance, Maine insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
The following are the penalties for leaving the scene of accident offenses: Class E: Maximum of 6 months of jail time Maximum of $1,000 in fines. Class D: Maximum of 12 months of jail time Maximum of $2,000 in fines 90 days of license suspension.
It's advised that you report any kind of car accident to your insurer as soon as possible. However, calling the police should always be the priority and making sure you, and anyone else involved, is safe.
Maine is a "fault" car insurance state Essentially, responsibility for damages (financial compensation) for any losses sustained in an accident, including medical expenses, lost wages, property damage and other costs, falls on the driver who is legally at fault for the accident.
Always notify your insurers if you are involved in an accident, however minor it may be and regardless of whether there is any damage. If you are involved in an accident and do not wish to make a claim on your policy you can simply advise your insurers about the accident 'For notification purposes only'.
Definition. As used in this section, "reportable accident" means an accident on a public way or a place where public traffic may reasonably be anticipated, resulting in bodily injury or death to a person or apparent property damage of $1,000 or more.
The following are the penalties for leaving the scene of accident offenses: Class E: Maximum of 6 months of jail time Maximum of $1,000 in fines. Class D: Maximum of 12 months of jail time Maximum of $2,000 in fines 90 days of license suspension.
If you're involved in an accident, you must tell your insurance company as soon as possible. Most insurers specify that you must inform them within 24 hours of the incident.
This is the law in most states, including California. Leaving the scene of an accident (Hit and Run) can be charged as a misdemeanor or felony in California. Misdemeanor Hit and Run involves property damage whereas felony Hit and Run involves injury or death.
