Reported by the Bangor Daily News on Septemeber 22, 2010
NEW SHARON — An elderly man was killed Tuesday morning as he crossed Route 134 in front of his house, police said.
Glen Fitch, 87, was killed instantly when he was struck by a pickup truck driven by 43-year-old Walter Fails of New Sharon.
What happens if someone else’s negligence behind the wheel causes you injury and they don’t have insurance?sIn Maine, every auto insurance policy is required to have several components. One of those components is uninsured motorist coverage (UM). Every auto insurance policy must have a minimum of $50,000 per person and $100,000 per accident of UM coverage. (See Maine Revised Statutes Annotated Chapter 29-A Section 1605 (1)(C)(2) & (3) and Maine Revised Statutes Annotated Chapter 24-A Section 2902). This means, if you have insurance, you automatically have this coverage as part of your policy.
UM coverage is used when someone with no insurance at all causes you injury. In that case, you can use up to the amount of your policy. Therefore, if you have only purchased the state minimum of insurance, the maximum amount available tosyou from an accident will be $50,000. This is true even if the accident was not your fault. With the rising costs of medical expenses, even a moderate injury can easily use up this amount. This must also cover any lost wages, pain and suffering, attorney’s fees, and all other damages you may have. (The only exception is your vehicle damage, which is usually covered separately.)
Note that the limit is further split, depending on how many people are injured in the accident. For example, if a family of three are traveling in the same car and all three are injured, the maximum amount available for the whole accident is capped at $100,000. No one person can recover more than $50,000 and the total amount the insurance company will have to pay will not exceed $100,000. Again, if all three have even moderate injuries, there will likely not be enough money to properly compensate everyone.
Reported by Bangor Daily News on September 14, 2010 and September 15, 2010
DEDHAM, Maine — A family of three from Jonesport was killed and an Orono man was injured Tuesday in a two-vehicle crash on U. . Route 1A.
Killed in the accident were Carlos A. Tapia, 34, his wife, Rachelle R. Tapia, 23, and Rachelle Tapia’s 4-year-old daughter, Mackenzie Gray, who was Carlos Tapia’s stepdaughter.
Until recently, auto and other liability insurance companies in Maine were not required to disclose the amount of insurance carried by their insureds, even when they were clearly at fault for an accident. This gave the insurance companies an advantage in settlement negotiations and in determining how long a case took to settle. Fortunately, the Maine legislature corrected this obvious inequity and granted injured persons the right to the insurance coverage information. (M.R. .A 24A -§2164-E.) If the insurance companies do not disclose the information within 60 days of a written request, you are entitled to a $500 fine from them. Many insurance companies are not yet aware of the change in the law and the team at Peter Thompson & Associates has successfully collected several $500 fines for our clients. If you have questions about your rights when dealing with insurance companies, contact us at 1-800-917-1784 or read more on our website, www.Peter-Thompson-Associates.com, on our car accident practice page.
November 12, 2009: A four-car accident on Route 1 Thursday afternoon resulted in multiple injuries and heavy damage to the vehicles involved. A 2008 Volvo station wagon driven by James W. Stott II, 55, of Cape Neddick, was traveling northbound on Route 1 when he struck a southbound 2008 Dodge Durango driven by 38-year-old Erin Latulippe of Ogunquit, who had two young children. Police said the force of the impact sent the Durango careening into a 2007 Kia Sedona van driven by Kelly M. Moulton, 42, of Cape Neddick, who had a 6-year-old child in her vehicle. Following that collision, the Volvo collided with a 2000 Dodge Ram pickup truck driven by Bryan J. Learned, 24, of Wells, which also rolled over.
The cause of this accident is under investigation. As personal injury specialists, Peter Thompson & Associates has investigated hundreds of multi-car accidents. In almost all cases, the primary and secondary causes of collisions are disputed, resulting in the need for a comprehensive accident reconstruction. While police will often conduct an accident reconstruction, we find it frequently necessary to conduct more detailed investigations of accident scenes to determine who, among the various vehicles involved, was at fault. Because important evidence that will be necessary to provide the most accurate investigation is often lost as time passes, it is critical that a comprehensive accident reconstruction occur as soon as possible and that all witnesses to the accident are interviewed to preserve their recollections.
Timothy Benner, 42, of Rockland was driving his 1998 Mercedes Benz west on Route 1 when his vehicle collided with a 1995 Chevrolet pickup truck driven by David Cowan, 55, of Rockland.
Both drivers and a passenger in Benner’s car, Donna Cox, 32, of Rockland, were injured in the collision. The cause of the accident is being investigated. Anyone with additional information about the accident should contact Attorney Peter Thompson at 1-800-804-2004.
Diana Dowse, 59, of Brooklin was headed south on Route 175 about a mile south of the High Street intersection at about 4:25 p.m. when her vehicle collided head-on with a pickup truck operated by Timothy Sawyer, 42, of Brooklin.
Dowse was taken by ambulance to Maine Coast Memorial Hospital in Ellsworth.
Sawyer and three passengers in his vehicle, Caleb, Timothy and Ethan Sawyer were taken to Blue Hill Memorial Hospital for treatment.
Wednesday, September 16, 2009:sA two-car, head-on collision occurred on Route 1 in Freeport near the Exit 24 ramp that provides access to Interstate 295. Police said the cars were traveling in opposite directions at the time of the accident, which took place around 3:45 p.m.
Police said one of the drivers was treated at the scene and released, but the second driver had to be transported by ambulance to Maine Medical Center in Portland with injuries that are not considered life threatening.
The cause of the accident has not yet been released. Anyone with information about this accident should contact Attorney Peter Thompson at 1-800-804-2004.
Christopher Breingan of Norridgewock was seriously injured Wednesday in an early morning collision with a tractor-trailer, the Morning Sentinel reported on September 10th. Mr. Breingan, 25, suffered head and hip injuries after being pinned inside his 1987 Chevrolet pickup truck.
The accident happened at around 3:30 a.m. at the intersection of Main Street, Perkins Street and Bridge Street, on U. . Route 2. A Kenworth tractor-trailer owned by Tremblay & Levesque Inc., driven by William Spencer, 67, of Howland, slammed into Mr. Breingan’s pickup truck on the driver’s side as the truck was proceeding through the intersection toward Perkins Street. Breingan was trapped inside the truck, and was rescued by members of the Norridgewock Fire Department using hydraulic cutting tools.
The pickup truck was totaled and tractor-trailer had approximately $10,000 in damage, according to police. Breingan was taken by helicopter to Central Maine Medical Center in Lewiston. There is still no word on his condition.
Andrew St. Laurent was driving with Randall Black when Black’s truck plunged off a one-lane bridge in Monmouth and into an Annabessacook Lake tributary, the Kennebec Journal reported on September 2nd.
The crash occurred around 3:30 p.m. when Black’s Pat Jackson Inc. septic truck hit a flatbed truck being driven by 74 year-old Perry Malcolm. Black says he was unable to stop, and drove his truck to the right, through the guard rail and off the bridge to avoid a head-on collision. St. Laurent, whose son will marry Black’s daughter in a few weeks, reached across the top of the cab to hold Black’s head above water until rescuers could free both men.
St. Laurent was checked at the scene, but Black was rushed by ambulance to Central Maine Medical Center in Lewiston. He suffered no broken bones, but his kidneys may have been damaged when he was crushed between the truck and guard rail. He is scheduled for medical tests to see how badly he was hurt.
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