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Uninsured/Underinsured Motorist (UM) This coverage protects you and your passengers if the other driver responsible for the accident has no insurance, or if the other driver's limits are less than your UM limit.
Car insurance after an at-fault crash in Maine A serious accident like an at-fault crash can stay on your insurance record for up to three years!
Requirements for Reporting an Accident in Maine Failure to report an accident is a Class E offense. A conviction can result in up to six months of jail time, $1,000 in fines and license suspension.
In Maine, the vast majority of personal injury claims are subject to a six-year statute of limitations.
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.
A reportable traffic crash must be reported immediately by the quickest means of communication to a state police officer, or to the nearest state police field office, or to the sheriff's office, or to a deputy sheriff, within the county in which the crash occurred, or to the office of the police department, or to an ...