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Car insurance after an at-fault crash in Maine A serious accident like an at-fault crash can stay on your insurance record for up to three years!
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.
Search and request crash reports online from the Maine State Police Crash Database. You can search by name, date of birth, crash location, crash date, or investigating agency (police department).
A report must be made to the police agency within the jurisdiction that the crash occurred. This may be a municipal police department, a county sheriffs department, or the state police.
Maine is an "at-fault" or "tort" state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident.
? First, you can file a claim with the at-fault driver's insurance company. If they are underinsured or uninsured, you would also need to file a claim with your own insurer for damages not covered by the other driver.
The ?statute of limitations,? which is the amount of time a person has to file a personal injury claim against those responsible for their injuries, has a time limit of six years in Maine. There are a few exceptions, but for the majority of cases, the clock starts ticking from the time of the accident.
Hit and Run as a Crime Leaving the scene of an accident is considered a Class E crime in Maine. And Class E crimes carry a maximum penalty fine of up to $1000 and/or a jail sentence of up to 180 days of jail.