Being involved in a hit-and-run accident in Maine can be stressful, especially if the driver who fled the scene doesn’t have insurance. Knowing how Maine car accident laws apply to uninsured drivers in these situations is important for protecting your rights and getting the help you need.

What happens when an uninsured driver causes a hit-and-run in Maine?

If someone hits your car and leaves the scene without stopping, and that driver doesn’t have insurance, Maine law still allows you to seek compensation. The state’s no-fault system means your own insurance may cover some of your damages, but there are specific rules when the at-fault driver is uninsured and fled.

Under Maine law, the driver responsible for the crash even if they’re uninsured still has a legal obligation to pay for injuries and property damage. If they run away, it doesn’t erase that responsibility.

Can I still file a claim if the hit-and-run driver has no insurance?

Yes. Even if the other driver has no insurance, you can still pursue a claim. Your own auto insurance policy may include coverage for uninsured motorist (UM) benefits. This type of coverage helps pay for medical bills, lost wages, and vehicle repairs when the at-fault driver isn’t insured.

For example: If a driver hits your car at night and speeds off, and later you learn they had no insurance, your own UM coverage could step in to cover your medical treatment and repair costs up to your policy limits.

What should I do right after a hit-and-run involving an uninsured driver?

Take clear, immediate steps:

  • Move to a safe location if possible, but don’t leave the scene.
  • Call 911 and report the hit-and-run. Police will document the incident.
  • Take photos of your vehicle, the area, any visible damage, and nearby traffic signs or cameras.
  • Write down details: time, weather, road conditions, what you saw about the other vehicle (color, make, license plate if visible).
  • Get contact info from any witnesses.

Even if you don’t know the driver’s identity, reporting the crash to police is critical. It creates an official record that supports your insurance claim or potential legal action.

Common mistakes people make after a hit-and-run with an uninsured driver

Many victims delay reporting the crash, thinking it won’t matter if the driver is uninsured. But delays weaken your case. Failing to gather evidence like photos or witness statements also makes it harder to prove what happened.

Another mistake is assuming your insurance won’t cover anything because the other driver wasn’t insured. That’s not true your uninsured motorist coverage applies regardless of whether the at-fault driver has insurance.

How long do I have to act after a hit-and-run in Maine?

You generally have three years from the date of the crash to file a personal injury claim. This timeline is set by Maine’s statute of limitations. Missing this deadline means you lose the right to sue for damages like pain and suffering, even if you were injured.

It’s smart to start your claim as soon as possible. Getting help early keeps your options open and avoids surprises later. For more on timelines, review the statute of limitations for hit-and-run injury claims in Maine.

When should I consider hiring a lawyer after a hit-and-run?

If the crash caused serious injuries, significant property damage, or if the insurance company denies your claim, a lawyer can help. They understand how Maine courts handle cases where the at-fault driver was uninsured and fled.

A qualified attorney can also work with your insurer to ensure you get fair treatment under your policy. They’ll investigate the crash, collect evidence, and negotiate with insurance providers or take your case to court if needed.

Look for someone with experience handling hit-and-run cases in Maine. You can find guidance on choosing the right lawyer through resources like how to find a reliable Maine lawyer for hit-and-run injuries.

Next steps after a hit-and-run with an uninsured driver

Start by contacting your insurance provider to report the crash and begin your uninsured motorist claim. Then, reach out to a local attorney who handles car accident cases. Keep all records photos, police reports, medical bills, and correspondence.

Don’t wait. Time matters, and every step you take now strengthens your position.