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Detailed Answer
Understand Maine’s PIP Insurance System
Maine operates a no-fault auto insurance system. Under 24-A M.R.S. §2906, insurers must provide at least $2,000 in personal injury protection (PIP) medical benefits to cover reasonable and necessary medical expenses after a crash. See 24-A M.R.S. §2906 for requirements.
Notify the Insurer Promptly
You or your health care provider should send written notice to the at-fault party’s insurer as soon as possible. Maine law demands proof of loss within 90 days of the accident under 24-A M.R.S. §2908(4). Late notification can lead to coverage delays or denial. Review 24-A M.R.S. §2908 for timeline details.
Gather and Organize Medical Documentation
Maintain all medical records, itemized bills, and diagnostic reports. Clear documentation establishes the link between your injuries and treatment. Submit these records directly to the insurer to support your claim.
Submit Written Claims and Follow Instructions
File your PIP claim in writing, attaching all supporting evidence. Use certified mail or the insurer’s digital portal to confirm receipt. Follow the insurer’s claim procedures, including any required claim forms or worksheets.
Monitor Communication and Deadlines
Track all deadlines, including response periods. Maine insurers generally must acknowledge and respond to claim inquiries within 15 business days. If the insurer requests additional information, provide it promptly to avoid unnecessary delays.
Address Denials or Disputes
If the insurer denies or limits liability, request a detailed explanation in writing citing policy terms or state law. Review the denial letter for errors. If disagreements persist, you can file a complaint with the Maine Bureau of Insurance or pursue resolution in small claims court.
Helpful Hints
- Mark all statutory deadlines on your calendar to avoid missing claim windows.
- Keep a treatment log detailing dates, providers, and services.
- Save all receipts for prescriptions, co-pays, and mileage.
- Communicate with the insurer in writing and retain copies of emails and letters.
- Consider consulting a Maine attorney familiar with auto insurance claims for guidance.