Maryland has specific laws that directly affect the value of your car accident claim and your deadline to file. Understanding them before you speak with any insurance company is critical.
Legal notice: This guide is for informational purposes only and does not constitute legal advice. Laws vary by state — always consult a licensed attorney before making any legal decisions.
Statute of Limitations
Maryland statute of limitations for car accident claims: 3 years from the date of the accident (Md. Code Ann., Cts. & Jud. Proc. § 5-101). Missing this deadline permanently bars your claim.
Maryland is one of only four states (along with Virginia, North Carolina and Alabama) that still uses pure contributory negligence. Under Maryland law, if you are found even 1% at fault for an accident, you recover nothing. This is dramatically different from comparative fault states and makes what you say at the scene and to insurance adjusters critically important. Never admit any fault in a Maryland car accident under any circumstances. Maryland requires minimum liability coverage of 30/60/15.
Maryland-Specific Tip
Maryland's contributory negligence rule is one of the harshest plaintiff standards in the country. The I-95/Baltimore-Washington corridor, I-270 and the Capital Beltway (I-495) produce the highest accident rates in Maryland. Baltimore City and Montgomery County produce the highest litigation volume. A skilled Maryland PI attorney is essential — never give recorded statements.
📊 Maryland follows contributory negligence — any fault bars recovery.
Call 911 — a police report is required for insurance claims involving injury in Maryland
Exchange insurance, license, and vehicle registration information with all drivers
Photograph all vehicles, license plates, road conditions, traffic signals, and injuries
Get witness contact information before anyone leaves the scene
Seek medical attention within 24 hours — even if you feel fine
Do NOT admit fault or apologize at the scene
Report to your own insurer but do not give a recorded statement to the other driver's insurer without an attorney
Contact a Maryland personal injury attorney before accepting any settlement offer
3 years from the date of the accident. 3 years from date of injury (Md. Code Ann., Cts. & Jud. Proc. § 5-101). Missing this deadline permanently bars your claim regardless of how serious your injuries are.
Maryland is one of only four states (along with Virginia, North Carolina and Alabama) that still uses pure contributory negligence. Under Maryland law, if you are found even 1% at fault for an accident, you recover nothing. This is dramatically different from comparative fault states and makes what you say at the scene and to insurance adjusters critically important. Never admit any fault in a Maryland car accident under any circumstances. Maryland requires minimum liability coverage of 30/60/15.
Maryland car accident settlements depend on injury severity, medical costs, lost wages, and strength of liability. Minor injury cases may settle for $10,000-$50,000. Serious injury cases frequently settle for $100,000 to over $1 million.
Studies consistently show that represented accident victims receive 3-4 times more compensation than unrepresented victims — even after attorney fees. Maryland PI attorneys work on contingency, so there is no upfront cost to get representation.
No upfront cost. Contingency fees — you only pay if you win.
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The information provided on InjuryCorner is for general informational and educational purposes only and does not constitute legal advice. Nothing on this site should be construed as creating an attorney-client relationship. Laws vary by state and individual circumstances differ — the content on this page may not apply to your specific situation. InjuryCorner makes no representations or warranties regarding the accuracy, completeness, or currentness of any information on this site. We are not a law firm and do not provide legal advice. Always consult a licensed personal injury attorney in your jurisdiction before making any legal decisions. Use of this site does not create an attorney-client relationship between you and InjuryCorner or any attorney listed on the platform.