Maine Uninsured and Underinsured Motorist Accident Lawyer
The Legal Help You Need After a UM/UIM Collision in Maine
Whether you’re in a fender bender or serious collisions, it’s common to exchange contact and insurance info with the other motorist involved. Unfortunately, not everyone on the road in Maine is insured. What’s more, some drivers are insured but do not have the minimum limits mandated by the state.
If you are involved in a crash with an uninsured or underinsured motorist, you need accident lawyers who are well-versed in Maine collision laws and negotiating better payouts with insurance providers.
The attorneys at Berman & Simmons are here to help you. We have spent more than a century advocating for the people of Maine after serious motor vehicle crashes.
Minimum Auto Insurance Requirements in Maine
Per Maine’s Bureau of Insurance, motorists who own or operate vehicles in the state must have liability coverage, medical payments coverage, and uninsured motorist coverage.
Minimum Liability Insurance Coverage
The state of Maine requires drivers to carry liability insurance to cover any property damage and bodily injuries in auto accidents. The minimum limit requirements are as follows:
- $50,000 per person
- $100,000 per accident for bodily injury
- $25,000 for property damage
Note that the Maine Bureau of Insurance will also consider a combined single limit of $125,000 to satisfy the minimum liability requirement. It’s also worth keeping in mind that the financial toll of a serious collision can surpass these minimum limit requirements.
Minimum Medical Payments Coverage
Maine law also requires motorists to have a minimum of $2,000 per person in medical payments coverage to address health expenses you or a passenger may incur in the event of a crash.
Uninsured/Underinsured Motorist (UM/UIM) Coverage
Maine law requires motorists to carry uninsured/underinsured coverage to protect drivers and passengers if they are in a crash with a motorist who is not insured or has insurance lower than Maine’s minimum limits.
The minimum limit requirements for UM coverage are as follows:
- $50,000 per person
- $100,000 per accident
How Many Uninsured Drivers Are in Maine?
According to numbers from the Insurance Research Council, Maine has a high rate of insured motorists. In 2021, only 4.9% of drivers in the state of Maine were uninsured. This was one of the lowest rates of uninsured motorists in the United States that year.
To put Maine’s uninsured driver rate into perspective, the Insurance Research Council found that Mississippi has an uninsured motorist rate of 29.4%, the highest rate of uninsured drivers in the country.
How Long Do I Have to File a Car Accident Lawsuit in Maine?
Per Maine Revised Statutes (MRS) Title 14 §752, you have up to six years from the date of a crash to file an auto accident claim. And under MRS Title 18-C § 2-807 you have three years from the date of the accident to file a wrongful death claim. Once the six-year statute of limitations has passed, you will no longer be able to file a claim for the collision.
Six years (or three years in the event of a wrongful death claim) is a long time, and it’s best to speak with a Maine uninsured/underinsured motorist accident lawyer from our law firm as soon as possible. This will allow our attorneys to gather evidence and determine the proper course of action to secure compensation for your medical bills and vehicle damage.
This is why you need experienced Maine UM/UIM car accident attorneys on your side. The lawyers at Berman & Simmons can identify various losses related to your auto collision and make sure those are reflected in a counteroffer. Our attorneys know how to fight for the people of Maine, and we will make sure you’re fully informed as the negotiation process unfolds. Give us a call today.
When the Stakes are High, We Deliver Results
Our client reviews showcase the skills, advocacy, compassion, and work ethic we bring to every case to achieve the best results.
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“Everyone truly listened to us and took time to answer all our questions with the upmost professionalism.”- Karen M.
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“A huge thank you to Abbey and her team for being there for my family as we went through a terrible tragedy. We couldn’t have done it without her and her compassion and understanding.”- Holly F.
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“You are a class act and I appreciate the time, care, and expertise you have always put in each and every piece of advice you’ve provided to me along the way!”- Reichen K.
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“They truly are great people who not only care about winning for you, but most of all they make you feel like you’re family.”- S. Ker
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“Mike and his team worked hard for years on my case. He was always professional and worked with me answering all my detailed questions.”- Patrick B.
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“My lawyer was Susan Faunce, she was great! She was very well prepared at my malpractice deposition so much I think that is why the people we were suing decided to settle out of court.”- Brian T.
Meet Our Attorneys
As powerful advocates for civil justice, we fight tirelessly for our clients, winning high-stakes, complex cases, where our team’s expertise and unmatched skills make all the difference.
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Susan A. Faunce Attorney, Managing Director -
Michael T. Bigos Attorney, Shareholder
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Travis M. Brennan Attorney, Shareholder
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Timothy M. Kenlan Attorney, Shareholder
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Elizabeth A. Kayatta Attorney, Shareholder
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Charles P. Hehmeyer Attorney, Shareholder
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Craig A. Bramley Attorney, Shareholder
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Christopher C. Boots Attorney
