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If the insurer discovers evidence of dishonesty, settling your case may be harder, making it more difficult for you to get compensation. Overall, the decision not to admit fault can have significant consequences that can prolong the accident recovery process, and make it more challenging to reach a fair settlement.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.
Though it may not seem like a big deal, apologizing can have a big impact on your ability to gain damages. If you say sorry after an accident, this could be interpreted as you admitting fault for the crash. This can be used as evidence in a personal injury case and prevent you from earning the compensation you deserve.
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 ...
If you were in a car accident and the other driver denies liability, you still have the legal right to pursue damages. Your case must establish how the accident happened and who is liable for the resulting injuries and damages.
If the situation is clear-cut, or one party admits that they caused the accident, the at-fault driver's auto insurance should pay for any property damage and medical bills, and in some cases additional compensation for other damages, such as pain and suffering.
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.
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.
In Maine, the vast majority of personal injury claims are subject to a six-year statute of limitations.