Maine Pre-Settlement Funding

Maine’s six-year window protects rights. Funding protects budgets.

Maine gives plaintiffs one of the longest filing windows in the country at six years for most personal injury claims. That generous statute can be a double-edged sword. It allows time for proper case development, but it also means carriers can drag negotiations out for years knowing the deadline isn’t pressing. Maine pre-settlement funding closes the financial gap that develops during those long negotiations. The advance is non-recourse, repayable only on a recovery. A defense verdict ends the obligation. A lawsuit advance gives Maine plaintiffs the patience to outlast a slow carrier strategy.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Maine Plaintiff Eligibility Criteria

Three baseline pieces have to align before our team will move on a Maine funding file. Your case must be an active personal injury matter filed in Maine, your attorney has to be working on contingency, and your filing must still be inside Maine’s six-year statute under 14 M.R.S. § 752. Anything outside those three sends the application back.

Active Maine Case

A personal injury case currently filed and active in Maine Superior Court or the federal District of Maine. We fund plaintiffs across all 16 Maine counties, from Cumberland and York through Aroostook and Washington.

Maine Bar Attorney

Your attorney has to be admitted to the Maine Bar and handling the case on a contingency arrangement. We process the lawsuit advance with your law firm directly. The applicant rarely sees paperwork beyond the funding agreement signature.

Solid Liability Documentation

Liability documents, real damages on the record, and a defendant with insurance or assets to back a judgment. Those drive every underwriting decision. Personal credit, income, and employment status don’t factor in.

Maine Personal Injury Cases We Approve

Six categories cover most Maine personal injury filings. Each one runs through the same underwriting process with case-specific adjustments.

Auto Accidents

I-95 corridor collisions, semi-truck wrecks on Route 1, motorcycle crashes through downeast Maine, and winter weather-related auto accidents in northern counties.

Medical Malpractice

Surgical errors, anesthesia complications, missed diagnoses, and nursing home neglect at long-term care facilities.

Premises & Slip and Fall

Winter slip and fall claims on commercial properties, ski resort injuries at Sunday River and Sugarloaf, and security failures at apartment complexes.

Workplace & Maritime

Lobster fishing and maritime injuries, paper mill and lumber industry accidents, and third-party claims that exist alongside Maine workers’ compensation.

Wrongful Death

Personal representative actions under 18-C M.R.S. § 2-807 following a fatal injury caused by another party’s negligence.

Dump Truck & Construction Vehicle Crashes

Capital for personal injury claims involving heavy machinery, municipal dump trucks, and roadwork contractor vehicles.

Get Maine lawsuit funding while your case strengthens

Get Started

Or call us toll-free at (800) 961-8924.

Maine Pre-Settlement Funding Laws and Regulations

Maine personal injury law gives plaintiffs more time to file than most states, with a six-year statute for general negligence. The state operates as a fault-based tort jurisdiction with modified comparative negligence at the 50 percent bar. Auto insurance minimums are among the highest in the country, and uninsured motorist coverage is mandatory. Each Maine lawsuit funding decision weighs these rules, so confirm specifics with your attorney before relying on numbers below.

Statute of Limitations for Personal Injury

General negligence: 6 years from the date of injury under 14 M.R.S. § 752 ^[1]
Medical malpractice: 3 years from the date of act under 24 M.R.S. § 2902
Wrongful death: 2 years from the date of death under 18-C M.R.S. § 2-807
Product liability: 6 years from injury

Maine’s six-year statute for personal injury is among the longest in the country. Medical malpractice runs on a shorter three-year window, and wrongful death claims have only two years from the date of death. Government tort claims need notice within 180 days under the Maine Tort Claims Act.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $50,000 per person / $100,000 per accident ^[2]
Property Damage Liability (PD): $25,000
Medical Payments (MedPay): $2,000 per person (required)
Uninsured/Underinsured Motorist (UM/UIM): $50,000 per person / $100,000 per accident (required at matching BI limits)

Maine’s auto insurance minimums are among the highest in the country at 50/100, double the typical 25/50. The state requires both MedPay coverage at $2,000 per person and uninsured or underinsured motorist coverage at limits matching bodily injury. Around 5 percent of Maine drivers carry no insurance, one of the lowest rates nationally.

Comparative Negligence Rule

Modified comparative negligence with a 50 percent bar under 14 M.R.S. § 156
If 50 percent or more at fault, recovery is barred
Maine applies an equitable reduction rule, where the jury determines the damages reduction proportionally rather than mechanically

Maine Approval Pipeline

From application to deposit, the typical Maine file moves through funding inside 24 to 48 hours.

Drop Application

Drop case details into the form at the top of this page, or call (800) 961-8924 to start by phone. Most Maine applications take under five minutes.

Case Pull

Our team contacts your Maine attorney to gather case documents. The file moves through underwriting on liability, damages, and coverage. Funding offers usually come back within one business day.

ACH Transfer

Once both you and your attorney sign the funding agreement, the wire goes out by ACH. Most Maine plaintiffs see the deposit hit their account within 24 hours of execution.

Maine Plaintiff Frequently Asked Questions

Does Maine’s long SOL change funding strategy?

It changes timing but not eligibility. Maine’s six-year window means you have more time to file, but it also means carriers can drag negotiations longer. We fund cases throughout that window. The earlier in the case timeline you apply, the more options you have on advance size and structure.

Are maritime and lobster fishing cases eligible?

Yes. Jones Act seaman claims, commercial fishing vessel injuries, and other maritime cases filed in Maine federal court all qualify. These cases often run longer than typical personal injury matters because of federal procedure overlay, which makes pre-settlement funding particularly useful.

What advance can I get on a Maine case?

Advances run from $500 to over $250,000. Most Maine plaintiffs qualify for between 10 and 20 percent of expected gross settlement. The actual figure depends on case strength, liability picture, and the defendant’s available coverage.

What if my Maine case ends in a defense verdict?

Nothing comes out of your pocket. Non-recourse funding means our repayment depends entirely on a recovery. A defense verdict, dismissal, or other no-collection outcome ends the funding obligation. The money already paid out stays with you.

Apply for your Maine lawsuit loan today