Maryland Car Accident Law: What You Need to Know

March 8 2023

In Maryland, all drivers are required to carry liability insurance with a minimum coverage of $30,000 per person and $60,000 per incident. Additionally, there is a statute of limitations on filing a claim after a car accident; victims have three years from the date of the accident to file a claim.

Maryland Car Accident Laws

Maryland is an at-fault car insurance state, in which the driver found to be liable for causing a car accident is responsible for covering damages. Maryland adheres to contributory negligence standards, meaning that even if you are proven to have contributed in any way to the accident, you may not recover any damages or compensation from another party.

The law states that the driver at fault must pay for the personal property and medical expenses of the other person involved. This includes any costs incurred due to damage done to personal property, including repairs needed for damaged vehicles as well as medical payments made due to physical injury and mental trauma related to the accident. Furthermore, a driver may also be liable for punitive damages if they engaged in knowingly reckless behavior while driving. Such damage gives a court the power to order a liable driver to pay a hefty sum of money as punishment, quite often after a plaintiff has already been awarded compensatory damages.

The debate on whether states should adhere to no-fault or At-fault laws still goes on. Supporters of no-fault argue that such rules can help alleviate stress quickly by allowing those hurt in an accident quicker access to reimbursement and possibly keep premiums from increasing drastically; however, opponents of this rule argue that without assigning fault on one of the parties involved, it is difficult to punish and deter dangerous behavior from occurring on roads in the future.

Maryland’s At-Fault policy carries with it advantages and disadvantages for both parties which need to be taken into consideration when engaging in major accidents or litigation cases. Regardless of variances of opinion among stakeholders, however, Maryland car accident law holds firmly that any individual found legally responsible for an auto collision will be held accountable and expected to pay up accordingly.

With understanding of Maryland car accident laws established, we can now delve deeper into understanding fault-based liability in Maryland.

Fault-Based Liability in Maryland

Fault-based liability states that one party must be held responsible for a certain activity, including an automobile accident. In Maryland, the law follows a pure comparative negligence system. This means both parties in a car accident are responsible for the outcome and are assigned a monetary value to their degree of fault.

For example, a driver who was following the speed limit but driving distractedly can be held at fault for the accident, even if that distracted behavior only accounted for 20 percent of the incident. The other 80 percent could be assigned to another driver who ran a stop sign. In this case, each driver would receive compensation from the other based on the amount of fault.

The Maryland Department of Transportation outlines that any individual assigned more than 50 percent fault in an automobile accident will not receive any money from claims (MDOT). This discourages individuals from seeking more compensation than they are entitled to and imposes responsibility on drivers operating vehicles.

Still, this system may pose problems to individuals whose damages exceed their degree of fault. Motorists may find that no feasible amount of money makes up for the physical or mental damage suffered as the result of an automobile accident. Additionally, assigning certain degrees of fault can be extremely difficult when there is disagreement between those involved.

Overall, while assigning degrees of fault in Maryland can help divide responsibility more equitably, it can also complicate matters and limit recovery for injured motorists. It is important to consult with an experienced legal adviser to understand your rights and options involving automobile accidents.

The next section explains how negligence impacts car accident cases in Maryland and what options are available for those affected by one.

The Impact of Negligence in Maryland

Negligence plays a critical role in determining the outcome of a car accident legal case in Maryland. Negligence indicates that someone involved with the accident acted in a careless or irresponsible manner, and that this carelessness resulted in the crash and any resulting damages or injuries.

In Maryland, negligence is based on a common law concept of “reasonableness”. This means that some level of duty is owed to other drivers and anyone who may be impacted by their actions while using the roads. A driver who fails to adhere to their duty of care, whether it is due to speeding, texting while driving, or other forms of negligence is likely to be found liable for any resulting damage caused by their actions.

The severity of the consequences due to negligence can vary greatly depending upon the type of behavior and the circumstances surrounding the incident. For example, if a driver speeds through an area where there are known construction hazards, they may be found more at fault than another driver who is found guilty of careless driving for not stopping at a stop sign.

Whether it is an individual who has been negligently injured or a large insurance company suing for unpaid damages, it is important for all parties involved to know what their rights are when dealing with these cases in Maryland courts. It is also important for them to understand how negligence affects their rights and how to defend themselves against such claims.

Understanding the impact of negligence in Maryland can help individuals protect both themselves and their assets from potentially costly claims or lawsuits related to car accidents. With that said, let’s now discuss the rights of car accident victims in Maryland.

Rights of Car Accident Victims in Maryland

In Maryland, the rights of victims in a car accident are strictly protected. Following an accident, victims may be entitled to seek medical payment for their injuries and economic losses, depending on the cause of the accident and the status of any insurance coverage. In addition, victims may have various legal remedies available to them, such as personal injury claims or wrongful death actions.

Victims who suffer injuries can pursue compensation for their losses. These losses can include medical costs, pain and suffering, lost wages, mental anguish, disability, and loss of enjoyment of life. Under Maryland law, it is illegal to require victims or their families to pay money out-of-pocket for injuries that resulted from another party’s negligence or intentional act. This applies even if the victim was partially at fault in causing the accident.

On the other hand, if a victim’s own negligence contributed to the accident they will not receive full compensation in Maryland. Victims who were less than 50% responsible for an accident are eligible to obtain restricted damages and compensation only. There are some exceptions which permit victims to recover full damages in cases where the accused was particularly reckless or had displayed a pattern of negligent behavior leading up to the crash.

Given these laws regarding car accident victim’s rights in Maryland, it is important for victims and their families to understand their legal rights after an auto collision. The next section discusses further rights of car accident victims: The Right to Seek Compensation.

The Right to Seek Compensation

In Maryland, victims of a car accident have the right to seek financial compensation for their damages and losses. Victims of a car accident can sue an at-fault driver for these damages which can include medical bills, lost wages due to time taken off work, and property damage. These damages are known as compensatory damages and can be awarded through either a settlement or a verdict at trial.

In cases when an at-fault driver is deceased or uninsured, victims may still have options available to them to secure the compensation they need. In those cases, victims may turn to their own insurance carrier to cover their losses. This is called an uninsured/underinsured motorist claim, and insurers are required by law to offer this coverage in Maryland policyholder contracts.

Opponents of this system may argue that it leads to higher insurance premiums and allows injured parties to gain compensation in ways that are unrelated to the court case. Supporters would counter that without this system many injured parties would not be able to receive adequate compensation for their damages and losses incurred from a car accident.

Ultimately, whether filed against another driver’s insurance company or your own, you have the right to seek compensation for the damages you suffered in an automobile accident. Moving forward, we will explore what you need to know about car insurance coverage in Maryland.

What You Need to Know About Car Insurance Coverage in Maryland

Knowing what kind of car insurance coverage you have in Maryland is essential to understanding your rights when it comes to car accidents. According to Maryland law, all vehicles must carry a minimum amount of liability insurance. This type of coverage will protect you in the event that you are found at fault for an accident, as it covers any costs incurred by the other party resulting from the accident. Liability insurance does not cover your own vehicle or medical expenses.

Under Maryland law, it is also mandatory for all drivers to hold Personal Injury Protection (PIP) coverage. PIP covers medical bills and lost wages incurred by the policyholder and their passengers in the case of an accident. It also covers any property damage caused by the policyholder during an accident. In addition, Maryland law requires all registered vehicles to have uninsured/underinsured motorist coverage which covers costs if the policyholder is involved in an accident with an at-fault driver who does not have adequate insurance.

While it may seem like having insurance is expensive, it can be beneficial in offering you financial protection after an accident and save you money in the long run should you ever be held liable for damages or require medical treatment due to an accident. However, those who would prefer to self-insure must pay significantly higher out-of-pocket costs at the time of an incident and are solely responsible for covering damage expenses after a crash.

No matter what route you choose to go down, understanding your car insurance coverage is critical. When navigating through Maryland’s car accident laws, make sure that you understand what type of coverage you have and how best to use it if you are ever involved in a collision.

With a better idea of what type of car insurance coverage is available in Maryland and why, the next section will discuss how to recover damages after a car accident.

How to Recover Damages After a Car Accident

Recovering damages after a car accident in Maryland can be a complex process. Injury victims have the right to pursue legal action against negligent parties, but they must have a clear understanding of the state laws and their rights under those laws before doing so. Understanding how to seek compensation for car accident damages is an important step for anyone involved in a motor vehicle collision.

In Maryland, injury victims may be eligible to recover both economic and non-economic damages related to their car accident. Common economic damages include the cost of medical bills, lost wages, and property damage. Non-economic damages are typically divided into two categories: pain and suffering and emotional distress. Pain and suffering damages are determined by multiplier calculations (based on medical bills) in order to account for physical injuries suffered as a result of the incident, while emotional distress awards focus on mental anguish caused by the driving incident.

The success of any claim will depend on sufficient evidence being presented to prove that another party was negligent or acted with disregard for safety rules that resulted in an accident occurring. This could come from multiple sources, including police reports; witness accounts; photographs taken at the scene; traffic violations cited by law enforcement personnel; and information about the type of car involved in the accident. In some cases, expert testimony may even be needed by an experienced personal injury lawyer to bring forth compelling evidence.

There are also possible defenses available depending on the circumstances of the case. Under contributory negligence laws in Maryland, if a driver is found to be partially at fault for causing an auto accident—even if it’s only 1%—they cannot yet fully responsible party liable for all of their financial losses. Because this issue can quickly become complicated, anybody involved in a crash should immediately seek legal counsel to help determine their best course of action when pursuing their claim.

The next section dives into “The Legal Process and Finding An Attorney”. A good personal injury lawyer can help guide someone through what can often seem like an overwhelming legal process following an auto accident, beginning with filing a claim and preparing for trial if necessary. Expert legal counsel can also provide valuable advice that goes beyond just filing paperwork and obtaining favorable settlements—such as helping acquire payment for unexpected expenses, or obtaining access to specialized resources that allow clients to benefit from timely resolution of their case leading to financial stability.

The Legal Process and Finding an Attorney

The legal process after a car accident can be an intimidating experience for many. Victims of car accidents need to familiarize themselves with the law in order to understand all their options in terms of filing or making claims for damages and receiving compensation for their injuries. For this reason, finding an experienced and knowledgeable attorney who specializes in Maryland car accident law is essential in navigating the complexities of the legal process.

When looking for a lawyer, it is important to find one who has specific experience and knowledge in Maryland car accident law. Knowledgeable lawyers will have familiarity with local statutes, court rulings, precedents that have been established, and know the nuances of state laws that might affect a case. An experienced attorney also knows what evidence is needed to support a claim and how to negotiate a fair settlement amount with insurance companies.

An important part of the legal process involves being able to really listen to a client’s story and be armed with an understanding of different kinds of damages that are available and where to look for them in cases like these. Litigation may often seem too costly or time-consuming depending on the case, so having an attorney who is willing to work within those constraints but still build a strong case can make a tremendous difference. It is also important for prospective clients not to feel intimidated during consultations as lawyers should be open and collaborative in their approach towards solving tricky legal issues.

It is possible for some cars accidents involving only property damage, meaning no one was injured, may even be settled without pursuing litigation or hiring an attorney at all. Nonetheless, when lives or major property damage is involved, consulting with a knowledgeable car accident lawyer is recommended to protect rights and interests of the parties involved. When seeking out professional legal services, it’s important to check credentials, research your potential attorney’s experiences and results from previous cases they have handled so you can make an informed decision before hiring one.

CONCLUSION: Understanding Maryland Car Accident Laws: Once individuals have understood the basics of Maryland car accident law and have found an experienced lawyer that can represent them in the legal process, they become better equipped to handle any circumstances in which they may find themselves due to a car accident occurring. In order to build strong claims and receive fair settlements, arm yourself with knowledge by understanding your rights as outlined by Maryland state law and seek out professional advice when necessary.

Conclusion: Understanding Maryland Car Accident Laws

The consequences of being involved in a car accident, particularly in Maryland, can be serious and long-lasting for both drivers and passengers. It is important for individuals to know the laws and regulations governing motor vehicle accidents in their state, as well as what their legal rights are if they are injured in an automobile accident. Understanding and following the laws pertaining to car accidents in Maryland can ensure that drivers operate their vehicles as safely and legally as possible.

In Maryland, drivers are required to adhere to certain laws and regulations when operating their vehicles, and those who are involved in an accident may be held financially responsible for the damages caused by their negligence on the road. After an accident, the fault of the drivers must be determined in order to determine who will bear responsibility for payment of damages. When determining fault, relevant factors such as driver negligence and speed of the vehicles at the time of the collision will likely be considered.

Those involved in an automobile accident must also be aware that they may be entitled to financial compensation if they sustain losses or injuries due to another person’s negligence or recklessness. This could include reimbursement for medical treatments, property damage, lost wages, emotional distress, pain and suffering, and more. Anyone injured in a car accident should speak with a knowledgeable attorney about their rights and options regarding a potential legal claim against those responsible for any losses or damages caused by the crash.

Car accidents can lead to tragic consequences, but understanding your legal rights under Maryland car accident laws can help minimize those risks and allow individuals to protect themselves while they are on the road.


What are the time limits for filing a car accident lawsuit in Maryland?

In Maryland, the statute of limitations for filing a car accident lawsuit is three years. This means if you were injured in a car accident, you must file a civil suit within three years of the date of the accident in order to be able to seek recovery for your injuries and damages incurred as a result of the accident. Additionally, if you are seeking to bring a claim against an employer or municipal entity for their negligence, that period is reduced to two years in Maryland. It is therefore important for any individual who has been injured in a car accident to seek legal advice as soon as possible in order to ensure that their rights are protected and that they are able to seek recovery for any injuries suffered as a result of someone else’s negligence.

How are fault and liability established in car accident cases in Maryland?

In Maryland, fault and liability in car accident cases is typically established through evidence, including accident reports, witness testimony, photographs and/or video, police reports, medical records, and other relevant information. Additionally, Maryland employs the rule of contributory negligence, meaning that if an individual is even slightly at fault for causing an accident (even 1%), they will be barred from recovering any damages in a lawsuit. As such, it’s important to investigate the facts surrounding an accident thoroughly in order to determine who was at fault and therefore liable for the damages caused. This could involve identifying factors such as aggressive driving or distracted driving on behalf of one or both drivers involved in the incident. Ultimately, a court may consider all relevant factors before ruling on liability.

What types of damages can be recovered in a car accident lawsuit in Maryland?

In Maryland, the types of damages you can typically recover in a car accident lawsuit depend on the particular circumstances of your case. Generally, you may be able to recover compensation for medical expenses incurred due to the accident, lost income and wages, pain and suffering caused by the accident, property damage resulting from the accident, and in certain cases punitive damages. In some cases, you may also be able to seek reimbursement for additional economic losses, such as childcare and travel expenses.

The amount of compensation you can receive is determined by the degree of fault that can be attributed to each party involved in the accident. The court will consider your actions leading up to the incident, as well as any existing insurance policies that may exist between individuals or companies involved in a crash. Thus it is important to have knowledgeable legal representation when filing a car accident lawsuit in Maryland so as to maximize your potential awards of damages.