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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 ...
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!
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.
Class D Hit-and-Run: If the accident causes serious injury or death, it is considered a felony with reckless driving or vehicular homicide. It carries a maximum penalty of 12 months in jail, a fine up to $2,000, and 90 days of a suspended license.
In Maine, the vast majority of personal injury claims are subject to a six-year statute of limitations.
Hit and Run as a Crime Leaving the scene of an accident is considered a Class E crime in Maine. And Class E crimes carry a maximum penalty fine of up to $1000 and/or a jail sentence of up to 180 days of jail.