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The ?statute of limitations,? which is the amount of time a person has to file a personal injury claim against those responsible for their injuries, has a time limit of six years in Maine. There are a few exceptions, but for the majority of cases, the clock starts ticking from the time of the accident.
Police reports are required when injuries, major damage, or extenuating circumstances are involved. However, you can act as your own detail-oriented advocate for minor incidents. In such cases, be sure to write down specifics of the accident and take photos to document the story.
What does a no-fault insurance state mean? No-fault insurance refers to how injuries are covered by car insurance. In a no-fault insurance state, if you're injured in an auto accident, you would file a claim with your own insurance company to pay for related medical costs.
Collision insurance pays for damage to your vehicle as a result of an accident. Maine car insurance laws do not require Maine citizens to buy collision coverage. People often waive collision coverage for older vehicles, deciding that the low value of the vehicle does not justify the cost of the coverage.
How long does a company have to settle my claim? Once you have supplied the insurer with proof of your loss, the insurer generally has thirty days to either pay or dispute your claim.
? First, you can file a claim with the at-fault driver's insurance company. If they are underinsured or uninsured, you would also need to file a claim with your own insurer for damages not covered by the other driver.
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.