Call
Maine's Updated Wrongful Death Legislation Requires Increased Liability Coverage
Claims | Industry News
By Nina Cutter
August 21, 2023 3 minute read
Maine’s wrongful death law has seen some significant changes, and it’s essential to understand how this might impact you.

At its core, a wrongful death claim arises when someone's death is due to another's negligence. Such claims offer financial reprieve to the deceased’s dependents, helping mitigate the sudden and often substantial financial challenges.

Here's a concise overview of the amendments to the wrongful death statute, which become effective on October 25, 2023:

Given these changes, here are a few key considerations:

Liability Insurance: Both personal and commercial liability policies may need reassessment. Homeowners should especially note that the personal liability portion of their policies might be affected if a wrongful death incident were to occur on their premises.

Auto Insurance: Increased claims resulting from serious auto accidents might mean that existing liability limits are no longer sufficient. Now is an opportune time to review and possibly adjust these limits.

Umbrella Policies: With the possibility of larger claims, an umbrella policy can provide an added layer of protection. If you haven’t considered one before, or if you have one in place, this could be the time for a review.

Insurance is a dynamic field responsive to changes in our broader legal landscape. If you find yourself with questions or uncertainties about your current coverage in light of these changes, we're here to help. Periodic reviews of policies, especially when legal parameters shift, ensure you remain comprehensively covered. Reach out to us today! 

Back to Learning Center

"Chalmers Insurance is staffed with local people. These are people I see at the grocery store and know by name. I place complete trust in these neighbors to look out for my best interests with Chalmers insurance products or services."
- Tim P.
"The customer service Chalmers provides is outstanding. Imagine calling an insurance agency and feeling better than before you called. I'll never switch."
- Melissa E.
"Your agency takes good care of us with your dedication, love, and care."
- Customer since 2007
"Chalmers Insurance has always had our backs. They are respectful and so pleasant to work with. We are so thankful for having them in our lives!"
- Angelo C.
"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
- Robert H.
"The Chalmers Group was super friendly, energetic and somehow made me feel happy about purchasing insurance, something I thought I would never say in my life. They were kind, honest, and more than you could wish for while shopping for something as mundane as insurance. Six out of five stars. "
- Jordan P.
"Chalmers was excellent throughout the process. They improved our coverage and ultimately reduced our premium. My agent communicated where there were differences and prepared a nice comparison of coverage. I was happy to place our coverage with Chalmers. "
- Susan A.
"Chalmers was quick to help me with a problem; my agent was knowledgeable and super supportive. I appreciate the professionalism and sense of humor. Overall, it was a wonderful experience. "
- Jan H.
"Chalmers walked me through everything in detail. They were fast to respond, friendly and knowledgeable."
- Sean G.
"My Chalmers agent was very helpful, knowledgeable, and patient with the process. To sum it up, the only thing better than my Chalmers agent would be two of her. "
- Richard S.
"Chalmers made it super simple and I had coverage before my lunch break was over. I was very satisfied. "
- Geoffrey P.
"My Chalmers agent answered all of my questions, explained insurance jargon to me, and was polite and knowledgeable. "
- Jennifer T.
"I appreciate how friendly the Chalmers Group is when I talk to them. They always have a positive attitude. "
- Amanda H.
"Always available and always kind. Chalmers works to find solutions."
- Elaine C.
"I appreciate being able to talk to an actual person who is both knowledgeable and helpful."
- Duke M.
"Helpful, knowledgeable staff that truly cares and takes the time to make a personal connection!"
- Aaron C.
"My interactions with Chalmers have always been flawless: quick, informative, highly professional. Having my home insured with Chalmers makes me feel good!"
- Client since 2016