All motorists have an obligation to drive safely and to be prepared to cover the financial losses of individuals they harm while behind the wheel.
Unfortunately, many drivers fail to meet their obligations on both fronts.
If someone else is at fault for the injuries you sustained in a car crash and they do not have adequate insurance to cover your damages, you can seek compensation from your own uninsured and underinsured motorist coverage.
Regrettably, negotiating a fair uninsured motorist settlement with your insurance company can be a tricky process.
It is in your best interest to enlist the help of an experienced automobile accident attorney any time you have to face an insurance company at the negotiation table or in court.
At Mann Law, our skilled attorneys have worked for insurance companies in the past and know the most effective tactics to use when negotiating uninsured and underinsured motorist settlements on behalf of our clients.
To comply with the law, a driver in Maine must have the following auto insurance coverage to address any damage they cause to others while driving:
The above amounts are minimums, and a driver can opt for an insurance policy with higher coverage limits.
The State of Maine also requires its drivers to carry uninsured motorist coverage.
This coverage allows an insured party to collect payments from their own insurance if they are involved in an accident with an uninsured, underinsured, or hit-and-run driver.
If a driver’s car insurance does not meet the state’s minimum requirements or if their coverage limits are not high enough to cover your damages, they are an underinsured motorist.
Settling a claim involving an uninsured motorist is not a one-size-fits-all process, and each outcome is different. The amount you can recover depends on the specific facts of your claim.
To best assess the potential outcome of your case, you need to understand the law. You should speak to an experienced attorney about the settlement possibilities based on the facts of your case.
At a minimum, you can receive compensation from your uninsured motorist policy for bodily injury, death, illness, and disease caused by a car accident.
To facilitate an accurate and fair calculation of what you should receive, you should collect and retain the following documents related to your accident:
You can bring this information to our skilled attorneys at Mann Law.
We take the time to listen to your story and review your information so we can develop the best strategy for recouping what you deserve when a driver’s irresponsibility has harmed you.
Under state law, your uninsured motorist policy has to pay you only what you would be legally entitled to recover from the driver who hurt you.
In Maine, the award a victim receives from a car accident is reduced by the percentage of fault the victim had in causing the accident.
In an effort to reduce its liability, your insurance company is likely to treat you harshly when determining your fault in an accident.
An attorney who knows how to negotiate with insurance companies can thwart your insurance company’s efforts to cast blame on you, and they can maximize your recovery.
Our Maine attorneys have nearly 20 years of experience upholding the rights and championing the needs of personal injury victims.
We are award-winning attorneys who are uniquely positioned to protect you against the tactics insurance companies will use against you.
Please call us or contact us online for a free consultation.