This office lease clause describes the allocation of risks. The parties desire to allocate certain risks of personal injury, bodily injury or property damage, and risks of loss of real or personal property by reason of fire, explosion or other casualty, and to provide for the responsibility for insuring those risks as permitted by law.
Maine No Fault Clause
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Multi-State
Control #:
US-OL25072
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FAQ
The law requires uninsured/underinsured motorist (UM) coverage at a minimum of $50,000 per person/$100,000 per accident. This coverage protects you and your passengers if the other driver responsible for the accident has no insurance, or if the other driver's limits are less than your UM limit.
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.
In a no-fault claim, the parties are not required to prove any party's blameworthiness to resolve the claim. In contrast, parties to a fault-based claim must prove a party was at fault to prevail on the claim.
Notice of claim: Written notice of claim must be given to the insurer within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible.
If you are in an accident while driving uninsured in Maine, you will still face the consequences of driving without insurance even if you're not at fault. Additionally, if you cause the accident, you'll be liable for property damage and medical expenses for anyone else who was involved.
Rental Vehicle If the other driver is at fault, his insurer may offer you a rental car. Some companies will set up a direct bill plan with the rental company but Maine law only requires them to reimburse you for reasonable rental costs you incurred for up to 45 days.
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.
Uninsured/Underinsured Motorist (UM) This coverage protects you and your passengers if the other driver responsible for the accident has no insurance, or if the other driver's limits are less than your UM limit.