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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!
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 ...
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.
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.
No-fault: The no-fault system is intended to lower the cost of auto insurance by taking small claims out of the courts. Each insurance company compensates its own policyholders (the first party) for the cost of minor injuries, regardless of who was at fault in the accident.
In Maine, the vast majority of personal injury claims are subject to a six-year statute of limitations.