Articles Posted in Auto Accidents

In the event of a Maine car accident, your vehicle may endure serious property damage. To avoid paying significant out-of-pocket costs, it is important to protect yourself with auto insurance. In addition to purchasing auto insurance, you should learn more about Maine’s insurance laws to make sure you have adequate coverage in every situation you may encounter.

What Types of Auto Insurance Do You Have to Buy in Maine?

Under Maine’s insurance laws, anyone who owns or operates a vehicle in the state must carry minimum policy amounts for several types of insurance. These coverage limits do not represent the amount you pay upfront. Rather, the limits are the maximum amount your insurance company will pay in the event of an accident. Specifically, drivers must carry liability insurance, medical payments coverage, and uninsured/underinsured motorist coverage. If you are at fault for an accident, liability insurance will pay for another person’s injuries and property damage resulting from the crash. Under Maine law, drivers must carry $50,000 per person/$100,000 per accident for bodily injury liability, as well as $25,000 for property damage. Additionally, medical payments cover your medical expenses and your passengers’ medical expenses in the event of an auto accident. The law requires Maine drivers to purchase at least $2,000 per person in medical payments coverage. Drivers can also purchase $5,000, $10,000, and $25,000 coverage limits without a significant bump in cost.

If you are involved in a Maine car accident, you will often notice that the responding officer will interview you and other witnesses, inspect the scene, and record notes. These notes will form the basis of an accident report, which contains a police officer’s observations in the aftermath of a crash. Crucially, the report may also include the officer’s opinions about the accident, including the person they believe was responsible. If you or a loved one has suffered injuries in a Maine car accident, you should request a copy of the accident report as soon as possible.

Why Should You Request an Accident Report?

In the event that you sue the responsible party for negligence, the accident report could support your version of events. If an officer believes that another party’s negligent behavior contributed to the crash, you can introduce the accident report as evidence to support your claim. In addition to helping your claim, an accident report can also negate a defendant’s alternative story of the accident. For example, the defendant may claim you struck their vehicle, but the officer may reach the opposite conclusion. An accident report can thus provide powerful, unbiased evidence from a neutral third party that you were not at fault, or the defendant was more at fault.

In addition to helping your case in a negligence lawsuit, accident reports can also prove helpful in the insurance process. If your vehicle suffers property damage from an accident, you can use the accident report to file a claim with your insurance carrier. If the officer concluded you were not at fault for the accident, you could have a stronger claim for your insurance carrier to cover your expenses.

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Head-on collisions occur when two vehicles traveling in opposite directions crash into each other. This type of car accident can result in severe injury to drivers and passengers. A recent Maine accident demonstrates the serious consequences of a head-on collision.

As a recent news article reported, a head-on collision in Woolwich, Maine, injured two people and killed a dog. The accident occurred when a seafood delivery driver suddenly veered across the roadway and into oncoming traffic. As a result, his delivery van collided with a Subaru head-on. First responders had to remove both drivers from their vehicles. They were transported to the hospital for serious injuries. The Subaru driver’s dog died from the crash. According to local officials, the crash occurred during a period of steady rain.

What Are the Causes of a Head-On Collision?

Many contributing factors can lead to a head-on collision. First, inclement weather may cause the roads to become more slippery, making it harder for drivers to control their vehicles. To prevent a head-on collision, avoid driving in dangerous weather conditions when possible. If you must drive in inclement weather, be sure to drive slowly and look out for any slippery patches on the road. Second, a head-on collision may occur when a driver speeds or attempts to pass a vehicle by veering into the opposite lane. Too often, a driver does not see an oncoming vehicle until it is too late. To stay safe, leave early for your destination so you can resist the urge to speed. Finally, a collision may occur when drivers fail to give their full attention to the road. Distracted driving, drowsy driving, and driving under the influence of drugs or alcohol can all place you and other drivers at serious risk of a head-on collision. When you get behind the wheel, make sure you focus on the road to avoid a collision.

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Comparative fault refers to each party’s degree of responsibility for a specific plaintiff’s harm. The issue of comparative fault often arises when plaintiffs share some portion of responsibility for their harm or when multiple defendants are at fault for the same plaintiff’s harm. When apportioning fault in a negligence lawsuit, Maine follows a modified comparative negligence scheme. Through this system, Maine plaintiffs can recover damages even if they were partially at fault for the accident that caused their harm. The majority of states have adopted modified comparative negligence instead of pure contributory negligence, which would prohibit plaintiffs from recovering any damages if they were even 1% at fault. Maine passed its modified comparative negligence rules into law at Title 14, Section 156 of its Revised Code.

Under Maine’s modified comparative negligence system, a plaintiff can recover damages so long as they were less than 50% at fault for the accident. If a plaintiff is equally at fault or more compared to the defendant, the plaintiff cannot recover any damages. This is one important way that Maine differs from other states. Some states allow plaintiffs to recover damages if they are 50% at fault or less, but a Maine plaintiff must be 49% at fault or less. Additionally, a jury or judge will reduce a plaintiff’s damages award based on the plaintiff’s degree of fault. For example, if a plaintiff is 10% at fault, the jury or judge would reduce the plaintiff’s $100,000 award to $90,000.

Because a reduced damages award would allow defendants to pay less in damages, a defendant will often argue that the plaintiff shares responsibility for the accident. An experienced Maine personal injury attorney can help plaintiffs show they were not at fault in order to hold defendants accountable for their negligence.

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