Maine
Your AI Accident Assistant for Maine.
We handle Maine property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Maine treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 6 years
- Small claims cap
- $10,000
- Fault rule
- Modified 50% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
24-A M.R.S. § 1402 — unified adjuster license covering P&C broadly. Maine does NOT separately license public adjusters as a distinct license category (no separate PA license class / PA bond / PA contract form / PA fee cap). ME is in the PA-UNDIFFERENTIATED / PA-CATEGORY-ABSENT cluster (with OR). Compensated representation in ME auto first-party claims requires the § 1402 adjuster license (or attorney exemption); the PA referral pathway is not operative as distinct from the general-adjuster pathway. Prior § 1410-N / § 1411 references were wrong.
Dive deeper into Maine
What Claimoe does for Maine claims
- · Drafts every adjuster email for your approval, with Maine-specific language and citations.
- · Calculates your diminished value using the 17c framework.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Maine rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.