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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! 

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