Accidents Involving Uninsured Motorists: What You Need To Know

While Maine boasts one of the lowest rates of uninsured drivers in the nation (approximately 6.2% according to the Insurance Research Council), accidents involving uninsured or underinsured motorists still pose significant challenges for victims. Even with mandatory insurance laws in place, a notable percentage of drivers either lack insurance or carry insufficient coverage to fully compensate for damages in the event of a serious accident. 

Uninsured Motorist (UM) coverage protects you if you're involved in an accident where the at-fault driver has no insurance. Underinsured Motorist (UIM) coverage applies when the at-fault driver's insurance is insufficient to cover the full extent of your damages. These coverages are crucial in ensuring that victims receive adequate compensation for medical expenses, lost wages, and other damages resulting from such accidents,

In Maine, UM/UIM coverage is mandatory. The law requires a minimum coverage of $50,000 per person and $100,000 per accident. If you opt for higher liability limits, your UM/UIM coverage must match those limits unless you explicitly reject the higher UM/UIM coverage in writing,

Despite Maine's relatively low rate of uninsured drivers, the risk of encountering an uninsured or underinsured motorist remains. Accidents can result in significant medical bills, rehabilitation costs, and lost income. UM/UIM coverage provides a safety net, ensuring that you are not left bearing the financial burden due to another driver's lack of adequate insurance.

1. Ensure Safety and Seek Medical Attention: Your health and safety are paramount. Seek immediate medical attention for any injuries. 
2. Report the Accident: Contact local law enforcement to file an accident report. This documentation is crucial for insurance claims. 
3. Gather Information: Collect as much information as possible about the other driver, including their name, contact details, and vehicle information. If the driver is uninsured, this information may still assist in legal proceedings. 
4. Notify Your Insurance Company: Inform your insurer about the accident promptly. They can guide you through the process of filing a UM/UIM claim. 
5. Consult a Personal Injury Attorney: An experienced attorney can help navigate the complexities of UM/UIM claims, ensuring that you receive the compensation you deserve. 

At Peter Thompson & Associates, we understand the challenges that come with accidents involving uninsured or underinsured motorists. Our team is dedicated to advocating for your rights and securing the compensation you need to recover. With extensive experience in personal injury law, we are equipped to handle the intricacies of UM/UIM claims and provide the support you need during this difficult time.

Accidents with uninsured or underinsured drivers can have devastating financial and emotional impacts. Understanding your rights and the protections available through UM/UIM coverage is essential. If you find yourself in such a situation, seeking legal counsel can make a significant difference in the outcome of your claim.

For more information or to schedule a consultation, please contact us at 207-874-0909.