Insurance issues can complicate a car accident case. This is why it is important to retain a Maine personal injury attorney that understands insurance coverage, particularly when there may be multiple insurance policies that offer coverage for a particular accident. Not all lawyers have a good grasp on how to read insurance policies.
In Maine, every vehicle owner has to carry liability insurance as well as uninsured motorist coverage and medical payments coverage. The minimum liability insurance coverage for injury to one person is $50,000. Every person is required to obtain uninsured motorist bodily injury coverage of $50,000/$100,000 or a combined limit of $100,000. These are minimum requirements, and sometimes it is wise to purchase more as a precautionary measure in case of a serious accident or wrongful death.
In a recent case, a decedent’s estate appealed after a summary judgment in favor of the defendants in its lawsuit against three insurance companies. On appeal, the estate argued there were issues of material fact about whether the decedent, a minor, had actually completed the purchase of a truck he was driving at the time of his death. The estate also argued that the decedent was killed before he became an adult and didn’t have the opportunity to ratify the contract.
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