Frequently Asked Questions in Maine

Whether your accident happened on a busy road in Portland or a quiet street in Bangor, recovering from an injury in Maine often brings more questions than answers. You might be dealing with physical pain, time away from work, or even the loss of a loved one. Knowing how Maine laws work and what resources are available can help you make more informed decisions. Below are the most common questions victims and their families ask after an accident in Maine.

How long do I have to file a personal injury lawsuit in Maine?

In Maine, you generally have six years from the date of the accident to file a personal injury lawsuit. This is one of the longest statutes of limitations in the country. However, it’s still important to act quickly, since evidence can disappear and memories can fade. There are shorter deadlines for certain claims, like those involving the government.

What should I do after a car accident in Maine?

First, check for injuries and call 911 to report the accident. Exchange contact and insurance information with the other driver, and take photos of the scene if you can do so safely. Get medical attention right away, even if you feel fine. Then, notify your insurance company and consider speaking with a personal injury attorney before accepting any offers.

Is Maine a fault or no-fault state?

Maine is a fault-based state, which means the driver who caused the crash is responsible for paying for damages. You can file a claim with your own insurer, the at-fault driver’s insurer, or take the matter to court. Proving fault is an important part of getting full compensation. This is why evidence from the scene, police reports, and medical records matter.

Can I recover compensation if I was partially at fault?

Yes. Maine follows a modified comparative fault rule. You can recover damages as long as you are not more than 50 percent at fault for the accident. If you are found to be partially at fault, your compensation will be reduced by your percentage of responsibility.

What kinds of damages can I recover in a personal injury case?

You may be able to recover compensation for medical bills, lost wages, pain and suffering, and property damage. If your injury has long-term consequences, you might also receive compensation for future medical costs or permanent disability. The exact amount depends on your specific situation and how well you document your losses.

How can I get a copy of a crash report in Maine?

You can request a crash report through the Maine State Police or the law enforcement agency that responded to your accident. Visit https://www.maine.gov for more information on how to request your report. You will need details such as the crash date, names involved, and location.

What if my loved one died in an accident?

If your loved one was killed due to another person’s negligence, you may be able to file a wrongful death lawsuit. In Maine, this type of claim is typically brought by the personal representative of the deceased person’s estate. Compensation may cover funeral costs, loss of financial support, and emotional suffering. The deadline for filing is generally two years from the date of death.

What happens if the other driver has no insurance?

If the at-fault driver is uninsured, you can turn to your own uninsured motorist (UM) coverage. In Maine, UM coverage is required as part of all auto insurance policies. This helps cover your medical expenses, lost income, and other costs if the other party can’t pay. If needed, you can also consider legal action against the uninsured driver.

Are there any financial help programs available for accident victims?

Yes. Maine residents may qualify for MaineCare (Medicaid), unemployment benefits, or Supplemental Nutrition Assistance Program (SNAP) while recovering. If your injury was caused by a crime, you may also be eligible for assistance from the Maine Victims’ Compensation Program. These programs can help you stay afloat financially as you focus on recovery.

Should I accept the first settlement offer from the insurance company?

It’s usually not a good idea to accept the first offer without reviewing it carefully. Insurance companies often offer less than what your claim is really worth. Accepting a settlement means you won’t be able to seek more compensation later. It’s smart to have a lawyer review any offer before signing anything.

Can I file a claim against a city or the state?

Yes, but you must follow special procedures. In Maine, claims against the government must typically be filed within 180 days of the accident. There may also be limits on the amount of damages you can recover. These claims can be complex, so it’s important to consult an attorney right away.

What if I was hurt while working?

If you were injured on the job, you’re likely covered under Maine’s workers’ compensation system. This provides benefits for medical care, lost wages, and disability. You must notify your employer as soon as possible and follow the procedures for filing a claim. If someone other than your employer was responsible, you may also be able to file a separate personal injury lawsuit.

How long does it take to resolve a personal injury case?

Some personal injury cases settle in a few months, but others can take over a year, especially if they go to court. The timeline depends on how serious your injuries are, how cooperative the insurance companies are, and whether fault is disputed. A lawyer can help keep your case on track and explain what to expect along the way.

Do I need a personal injury lawyer?

While you’re not legally required to hire a lawyer, having one can greatly improve your outcome. A lawyer can handle all communication with insurance companies, gather necessary evidence, and negotiate a fair settlement. Most personal injury lawyers in Maine work on a contingency fee basis, so you only pay if they win your case.