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Maine does not have a no-fault insurance system. Instead, it follows an at-fault system. This means the driver responsible for causing an accident must pay for damages, including property damage, medical expenses, and other losses suffered by the victim.
The driver who caused the accident must use their insurance to cover your accident-related bills.
Police compile a car accident report after the crash. Insurance companies use this report, along with accident evidence, to determine fault. If fault is unclear, an accident reconstruction expert may get involved. The at-fault driver’s insurance must pay for your damages and other accident-related expenses.
Even though the at-fault driver must cover your bills, coverage only starts after fault is determined. The process can take time, especially if insurance companies resist paying. You may need to pay some expenses out of pocket until the at-fault driver’s insurance begins covering them or until your case value is decided. Insurance companies may also use legal loopholes to avoid full payment.
Yes. For example, one driver might be 15% at fault, while the other carries 85% responsibility.
If you are 50% or more at fault, Maine law prevents you from receiving compensation from the other driver. This is Maine’s modified comparative negligence law. If you are less than 50% at fault, you can recover a portion of your damages based on your responsibility. For example, if you are 25% at fault, you can recover 75% of your accident-related expenses.
Contacting an experienced accident lawyer like Christiana Mann is one of the most important steps after a car accident. A lawyer can help you navigate insurance loopholes, meet deadlines, and ensure that accident-related expenses, such as car repairs and medical bills, are fully covered by the at-fault driver’s insurance.
If you have questions or are unsure about hiring a lawyer, Mann Law can provide answers. Call 207-560-0659 or submit your questions through the form at mannlawllc.com.
No. Maine follows an at-fault system, which means the driver responsible for an accident is liable for paying damages.
The at-fault driver’s insurance must cover the other party’s damages, including medical bills, property damage, and other losses.
No. Maine does not have a traditional no-fault PIP system. Certain coverages, like medical payments and uninsured/underinsured motorist insurance, are required.
Fault is determined by reviewing police reports, witness statements, evidence, and sometimes expert opinions or accident reconstruction reports.
Maine uses a modified comparative negligence rule. If you are more than 50% at fault, you cannot recover damages. Less than 50% reduces your recovery proportionally.
Possibly. You may need to cover some expenses until fault is established and the at-fault driver’s insurer begins paying.
Yes. You can pursue a claim against the at-fault driver’s insurer or file a lawsuit if necessary.
Maine requires minimum liability insurance, medical payments coverage, and uninsured/underinsured motorist protection.
You may recover damages through your uninsured motorist coverage or by pursuing the at-fault driver personally in court.
Yes. An experienced attorney can help establish fault, negotiate with insurers, and protect your right to full compensation.
Where to find our Portland, ME office:
