This calculator estimates what a car accident injury claim could be worth under Maryland law. It applies Maryland’s contributory negligence rule, the three-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Because Maryland still uses contributory negligence, even 1% of fault on your side drops the estimate to $0. That is how strict the rule is in court, and why insurers there push hard on fault.
Maryland rules behind this estimate
Fault. Maryland is one of only five places that still use contributory negligence. If you are found even slightly at fault, a court can bar your claim entirely. That makes proof of the other side’s fault, such as a police report, photos and witness statements, especially important. Maryland’s highest court kept contributory negligence in 2013. Narrow exceptions such as last clear chance still apply.
Deadline. You have three years from the crash to file a lawsuit in Maryland. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. Maryland is an at-fault state, so the at-fault driver’s liability insurance pays your claim. Drivers must carry at least $30,000 per injured person, $60,000 per crash and $15,000 for property damage, written 30/60/15. Maryland also requires $2,500 of PIP unless you waive it. Uninsured motorist coverage is also required.
Damage caps. $965,000 on non-economic damages for injuries on or after October 1, 2026. The cap rises by $15,000 every October 1.
Maryland car accident questions
What if the other driver only has the Maryland minimum?
Their insurer will usually pay no more than $30,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.
Can I still claim if I was partly at fault in Maryland?
Usually not. Maryland uses contributory negligence, which can bar your claim if you were even slightly at fault. Narrow exceptions exist, so talk to a lawyer before giving up.
How long do I have to file a car accident claim in Maryland?
three years from the crash to file a lawsuit. Report the claim to the insurers within days.
Is Maryland a no-fault state?
No. Maryland is an at-fault state, so you claim against the at-fault driver’s liability insurance, or your own coverage if theirs is too low.
Does Maryland cap pain and suffering damages?
Yes. $965,000 on non-economic damages for injuries on or after October 1, 2026. The cap rises by $15,000 every October 1.