When it comes to personal injury, the issue of insurance coverage can be an important one. After all, if someone causes you injury or harm, you may want them to be held responsible for their actions, and if they have insurance, that may be the easiest and most efficient way to do so. But what happens if the person who caused your injury doesn’t have insurance? In Maine, there are several options available to you.
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Uninsured Motorist Coverage
One of the most common scenarios in which someone may be injured by an uninsured person is in a car accident. Fortunately, Maine is one of many states that requires drivers to carry uninsured motorist coverage as part of their auto insurance policy. This type of coverage is designed to kick in if you are involved in an accident with a driver who doesn’t have insurance, or who doesn’t have enough insurance to cover all of the damages you have suffered.
If you have uninsured motorist coverage as part of your own auto insurance policy, you can file a claim with your own insurance company to seek compensation for your injuries and damages. The exact amount of coverage you have will depend on the specific policy you have chosen, so it’s important to review your policy carefully and talk to your insurance agent to understand your options.
Underinsured Motorist Coverage
Another potential scenario is that the person who caused your injury does have insurance, but it isn’t enough to cover all of the damages you have suffered. In this situation, you may have the option to seek compensation from your own insurance company under your underinsured motorist coverage.
This type of coverage is similar to uninsured motorist coverage, but it applies when the at-fault driver does have insurance, but the amount of coverage they have isn’t enough to cover all of your damages. Again, the exact amount of coverage you have will depend on your specific policy.
Filing a Lawsuit
If neither of these options is available to you, or if you feel that the amount of compensation you can recover through insurance is not adequate to cover your damages, you may be able to file a lawsuit against the person who caused your injury. However, it’s important to keep in mind that if the person doesn’t have insurance, they may also not have the financial resources to pay a judgment against them.
If you do choose to file a lawsuit, it’s important to work with an experienced personal injury attorney who can guide you through the process and help you understand your options. They can also help you assess the best course of action based on the specifics of your case.
Conclusion
If you have been injured by someone who doesn’t have insurance in Maine, there are several options available to you. Uninsured motorist coverage and underinsured motorist coverage are both designed to help you seek compensation, and filing a lawsuit may also be an option in certain situations. Talking to an experienced personal injury attorney can help you determine the best course of action based on the specifics of your case.