Maine Car Accident Settlement Calculator
Get a rough estimate of what a Maine car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Maine car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Maine's fault rule and flags the insurance limits that cap a real payout.
Maine Is an at-fault (tort) state
Maine is a traditional at-fault (tort) state. It is NOT one of the 12 no-fault/PIP states (FL, MI, MN, NY, ND, HI, KS, KY, MA, NJ, PA, UT). There is no PIP/no-fault statute; the at-fault driver's liability insurance pays for the other party's injuries and property damage. Maine's Bureau of Insurance "Insurance Required by Law" page lists only liability, UM/UIM, and medical-payments coverage — no PIP. An injured person recovers directly against the at-fault driver, subject to Maine's modified-comparative-negligence rule.
Minimum Insurance & UM/UIM in Maine
A settlement is only collectible up to the available insurance. Maine's minimum required liability coverage is $50,000 per person / $100,000 per accident for bodily injury and $25,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Maine's mandatory minimum liability limits are 50/100/25: $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage per accident — among the highest BI minimums in the nation. A Combined Single Limit of $125,000 satisfies the requirement. Policies must also include at least $2,000 in MedPay. Limits set by 29-A M.R.S. §1605(1); financial-responsibility mandate at 29-A M.R.S. §1601 / §1611.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Maine, UM/UIM is required to carry. Uninsured/underinsured motorist coverage is MANDATORY in Maine under 24-A M.R.S. §2902 — a policy "may not be delivered or issued for delivery in this State" without it. Minimum UM/UIM is $50,000 per person / $100,000 per accident (must equal the policy's BI liability limits). The only thing an insured may reject — by signed, dated written form before the effective date — is UM/UIM ABOVE the statutory minimum; UM/UIM at the minimum 50/100 level cannot be waived. After 2 consecutive years at the same limit, the insured is conclusively presumed to have accepted that amount.
Fault & Your Recovery: modified comparative negligence (50% bar)
Maine follows modified comparative negligence (50% bar). Your award is reduced by your share of fault, and you recover nothing once you are 50% or more at fault.
Deadline to File a Maine Car-Accident Claim
Maine generally requires a car-accident injury lawsuit to be filed within 6 years of the crash (the statute of limitations). Maine's general personal-injury statute of limitations is 6 years under 14 M.R.S. §752, which applies to ordinary negligence actions including auto-accident bodily-injury and property-damage claims (Maine has no shorter special limitation for motor-vehicle torts). This remains current. Claims against governmental entities under the Maine Tort Claims Act require a written notice of claim within 180 days (14 M.R.S. §8107) and a shorter suit period. Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Maine is a traditional at-fault (tort) state — there is NO no-fault/PIP system. The at-fault driver (through their liability insurer) pays for the other party's injuries and property damage.
- Mandatory minimum liability limits are a high 50/100/25: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage (or a $125,000 combined single limit).
- Every Maine policy must also carry at least $2,000 in Medical Payments (MedPay) coverage and mandatory uninsured/underinsured motorist coverage at 50/100 — UM/UIM cannot be waived below the minimum.
- Maine follows a modified comparative-fault rule: an injured party's damages are reduced by their share of fault, and recovery is barred if they are found equally or more at fault than the defendant (14 M.R.S. §156).
- You generally have 6 years to file a personal-injury or property-damage lawsuit from a car crash (14 M.R.S. §752) — one of the longest windows in the country.
- Claims against a government entity are much tighter: a 180-day notice-of-claim deadline applies under the Maine Tort Claims Act (14 M.R.S. §8107).
Frequently Asked Questions
How much is my Maine car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Maine's modified comparative negligence (50% bar) rule. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Maine a no-fault state?
Maine is a traditional at-fault (tort) state. It is NOT one of the 12 no-fault/PIP states (FL, MI, MN, NY, ND, HI, KS, KY, MA, NJ, PA, UT). There is no PIP/no-fault statute; the at-fault driver's liability insurance pays for the other party's injuries and property damage. Maine's Bureau of Insurance "Insurance Required by Law" page lists only liability, UM/UIM, and medical-payments coverage — no PIP. An injured person recovers directly against the at-fault driver, subject to Maine's modified-comparative-negligence rule.
Does my own fault reduce my Maine settlement?
Yes. Maine follows modified comparative negligence (50% bar). You recover nothing once you are 50% or more at fault.
How long do I have to file in Maine?
Generally 6 years from the crash. Maine's general personal-injury statute of limitations is 6 years under 14 M.R.S. §752, which applies to ordinary negligence actions including auto-accident bodily-injury and property-damage claims (Maine has no shorter special limitation for motor-vehicle torts). This remains current. Claims against governmental entities under the Maine Tort Claims Act require a written notice of claim within 180 days (14 M.R.S. §8107) and a shorter suit period.
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Maine car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.