Maine Motor Vehicle Accident Settlement Calculator

The statute of limitations for this type of claim in Maine is 6 years — longer than the national average of 2.8 years. While you have more time than most states, delaying still weakens your case as evidence degrades and witnesses become harder to locate. Importantly, Maine recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.

Maine’s mandatory minimum auto insurance is 50/100/25 (bodily injury per person / per accident / property damage). These minimums provide a reasonable baseline, but serious injuries often generate costs well beyond any minimum coverage amount. Maine requires both uninsured (UM) and underinsured (UIM) motorist coverage, adding important protection layers for accident victims.

Maine imposes a 180-day notice requirement for tort claims against government entities. If a government-owned vehicle caused your accident or a poorly maintained government road contributed to it, you must file a formal notice of claim well before the standard statute of limitations expires. Failure to provide timely notice is one of the most common reasons government tort claims are dismissed.