Auto Accident Demand Letter - Maine
AUTO ACCIDENT SETTLEMENT DEMAND — MAINE
Date: [__/__/____]
From: [ATTORNEY OR CLAIMANT NAME, ADDRESS, EMAIL, PHONE]
To: [INSURER / CLAIMS REPRESENTATIVE NAME AND ADDRESS]
Delivery method: [CERTIFIED MAIL / EMAIL / OTHER]
Re: Claimant [NAME]; insured driver [NAME]; collision [DATE]; claim number [NUMBER]; policy number [NUMBER]
Dear [NAME]:
I represent [CLAIMANT NAME] concerning the collision on [DATE] at [ROAD, MUNICIPALITY, COUNTY], Maine. I request settlement on the basis set out below. Please send communications about the claim to [CONTACT].
Collision and responsibility
Claimant was [DRIVER / PASSENGER / PEDESTRIAN / OTHER] in or near [VEHICLE]. Your insured was operating [VEHICLE]. At [TIME], [STATE VEHICLE MOVEMENTS, SIGNALS, WEATHER, ROAD CONDITIONS, POINT OF IMPACT, AND THE INSURED'S SPECIFIC ACT OR OMISSION]. The resulting collision caused [DESCRIBE INJURY AND VEHICLE DAMAGE].
The supporting evidence includes [CRASH REPORT AND NUMBER], [PHOTOGRAPHS OR VIDEO], [WITNESSES], and [OTHER RECORDS]. Attached items are listed below. If liability or causation is disputed, please identify the factual basis and any material evidence that you rely on.
Claimant's account of any comparative fault is [FACTS AND EVIDENCE]. Under 14 M.R.S. § 156, a claimant found equally at fault may not recover; otherwise the jury states the total and any just and equitable reduction in dollars and cents. Claimant's position is that [STATE SUPPORTED POSITION].
Injury, treatment, and loss
Claimant sustained [INJURIES]. Treatment began on [DATE] with [PROVIDER] and continued through [DATE OR CURRENT]. The treating records support [DIAGNOSES, PROCEDURES, LIMITATIONS, AND PROGNOSIS]. [ADDRESS ANY PREEXISTING CONDITION, TREATMENT GAP, OR CAUSATION DISPUTE FACTUALLY.]
| Claimed loss | Evidence or calculation | Amount |
|---|---|---|
| Past medical expense | [PROVIDER, DATE, BILL OR PAYMENT RECORD] | $[AMOUNT] |
| Supported future care | [OPINION AND COST BASIS] | $[AMOUNT] |
| Past income loss | [EMPLOYER AND PAY RECORD] | $[AMOUNT] |
| Supported future earning loss | [METHOD AND ASSUMPTIONS] | $[AMOUNT] |
| Vehicle damage and loss of use | [ESTIMATE, INVOICE, RENTAL RECORD] | $[AMOUNT] |
| Other supported expense | [ITEMS AND RECEIPTS] | $[AMOUNT] |
| Pain, impairment, or other supported noneconomic loss | [FACTS AND AMOUNT REQUESTED] | $[AMOUNT] |
| Total requested compensation | [RECONCILE OVERLAP AND PRIOR PAYMENTS] | $[AMOUNT] |
Enclosures actually provided: [CRASH REPORT, MEDICAL RECORDS AND BILLS, VEHICLE EVIDENCE, INCOME RECORDS, PHOTOGRAPHS, WITNESS MATERIAL, AND OTHER ITEMS]. Send sensitive medical records through [SECURE METHOD].
Offer and response
Claimant offers to resolve the identified collision claim for $[AMOUNT]. Acceptance requires a written settlement agreement identifying the released parties and claims, a payment deadline, and a process for documented payer or lien claims and any pending action. This offer remains open through [DATE AND TIME, TIME ZONE], unless withdrawn earlier in writing. Please respond to [ADDRESS AND METHOD] and identify any specific additional information needed.
Claimant reserves prejudgment interest if recoverable under 14 M.R.S. § 1602-B. For ordinary civil actions, subsection 3 sets the rate at the one-year U.S. Treasury bill rate plus 3%. Under subsection 5, precomplaint accrual requires a cause-of-action notice under oath served on the defendant personally or by registered or certified mail. An ordinary demand to an insurer does not by itself establish that accrual date; absent a qualifying notice, interest accrues from complaint filing. Any calculation remains subject to the statute's other conditions.
The general six-year period in 14 M.R.S. § 752 applies only when no other law specially provides a different period. This offer does not extend or toll the applicable filing deadline. Counsel's claim-specific deadline calculation is [DATE AND BASIS].
Sincerely,
[ATTORNEY OR CLAIMANT NAME]
[CAPACITY AND MAINE BAR NUMBER, IF APPLICABLE]
[ADDRESS, EMAIL, PHONE]
Sources and references
About this template
- Last updated
- October 18, 2026
- Citations checked
- October 18, 2026
- Jurisdiction
- Maine
- Category
- Demand Letters
Legal authority
- 14 M.R.S. § 156 (comparative negligence)
- 14 M.R.S. § 752 (general six-year limitations period, subject to specific exceptions)
- 14 M.R.S. § 1602-B (prejudgment interest and notice of claim)
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on October 18, 2026.
14 M.R.S. § 156 (checked October 18, 2026): "If such claimant is found by the jury to be equally at fault, the claimant may not recover."
14 M.R.S. § 156 (damage reduction) (checked October 18, 2026): "the court shall instruct the jury to find and record the total damages that would have been recoverable if the claimant had not been at fault, and further instruct the jury to reduce the total damages by dollars and cents, and not by percentage"
14 M.R.S. § 752 (checked October 18, 2026): "All civil actions shall be commenced within 6 years after the cause of action accrues and not afterwards, except actions on a judgment or decree of any court of record of the United States, or of any state, or of a justice of the peace in this State, and except as otherwise specially provided."
14 M.R.S. § 1602-B(3) (checked October 18, 2026): "In civil actions other than those set forth in subsections 1 and 2, prejudgment interest is allowed at the one-year United States Treasury bill rate plus 3%."
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