Maine Accidents

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20 results

I just found out the insurer can use your delayed surgery against you in Augusta

A parking lot crash claim in Augusta can get ugly fast when the insurer says you waited too long for surgery, especially if missing work was never really an option.

ARTICLE by Omar Hassan

utilization review

The worst-case outcome is a denied surgery, medication, or therapy plan because no one recognized that the insurer was questioning whether the care was medically necessary....

A clear stop-sign crash, and suddenly your bad back is "caught on video"

A Lewiston carpenter gets T-boned at a four-way stop, then learns the insurer is filming him and looking for any excuse to cut what the crash is really worth.

ARTICLE by Rick Plourde

My boss says a blowout makes this "just an accident" - true?

A tire blowout does not magically erase a drunk or drugged driver's fault, and an employer's immigration threat does not change that.

ARTICLE by Michael Devlin

Insurance says your panic attacks after a Brunswick rear-end crash belong in arbitration - are they kidding?

A Brunswick parks worker got rear-ended in highway traffic and now the insurer is acting like PTSD, missed work, and a mandatory arbitration clause make the claim disappear.

ARTICLE by Rick Plourde

return-to-work order

You may see this in a doctor's note, an insurer letter, or a call from an employer saying you've been "released back" to the job. Usually, it means a medical provider has said...

diminished quality of life

Not the same as a pile of medical bills, lost wages, or a permanent disability rating. It is also not limited to being bedridden or unable to work. Diminished quality of life...

permanent total disability

A lasting physical or mental condition that leaves a person unable to perform any meaningful work on a sustained basis is generally considered a permanent total disability. The...

That Auburn drive-thru crash looks minor on paper. Your evidence says otherwise.

A low-speed rear-end wreck can still wreck your neck, and if the police report is wrong, the photos, video, records, and witness names you save right now matter more than the officer's first draft.

ARTICLE by Donna Sprague

Delayed Head Injury After Maine Company Van Crash

In Maine, a work injury claim usually turns on when the injury happened and when you knew it was serious, and that gets messy fast when concussion symptoms blow up weeks later.

ARTICLE by Donna Sprague

Wife was rear-ended in Lewiston after a double shift and now they're saying the deadline passed

A high-speed rear-end crash by an impaired driver can still leave you fighting over missed notice deadlines, bar liability, and what the DUI case actually proves.

ARTICLE by Rick Plourde

Maine Motorcycle Dooring Claim With Missed Treatment

A treatment gap after a Maine motorcycle dooring claim can wreck the value fast, especially when fault is already disputed and nobody got cited.

ARTICLE by Donna Sprague

independent medical exam

Your benefits, wage checks, and even whether an injury gets taken seriously can turn on one doctor's report. Despite the name, an independent medical exam is not automatically...

You just got a letter that says your doctor has released you to return to work, but only with restrictions: no heavy lifting, no climbing, and limited standing. That usually...

My brother's Brunswick boss says use health insurance after a deer-crash delivery wreck. Legal?

In New Hampshire, an ordinary commute usually stays outside workers' compensation. In Maine, a crash while making a delivery, driving between job sites, or running an employer...

Offered $9,500 after a Brunswick roadside crash - fair or bullshit?

A Brunswick janitor gets hit walking where there's no sidewalk, ends up worse after the ER discharge, and now the insurer is pretending that means the injuries are minor.

ARTICLE by Michael Devlin

maximum medical improvement

Like reaching the point in rehab where the gains become small and steady instead of dramatic, maximum medical improvement means a person's condition has healed as much as...

cumulative trauma

An injury that builds up over time from repeated stress instead of one sudden event. "Builds up over time" is the key part. A bad shoulder from years of overhead lifting, numb...

unscheduled injury

What does it mean if an injury is "unscheduled"? It means the injury does not fall on a fixed statutory list of body parts or losses that carry preset benefit amounts. In...

Rear-ended on Broadway between South Portland showings and now three insurers won't own it

A South Portland real estate agent can end up in a three-way insurance fight after a rear-end crash, especially when the wreck happened in a personal car during work hours.

ARTICLE by Keith Ouellette