This calculator estimates what a dog bite 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.
Maryland does not make owners automatically liable for every bite, so the strength of the claim depends on what the owner knew about the dog or how careless they were. The calculator values the injury; proving liability is a separate step.
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.
Dog bite rule. The law presumes the owner knew the dog was dangerous, which the owner can rebut. Owners are strictly liable for a dog running at large.
Deadline. You have three years from the bite 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. Most dog bite claims are paid by the owner’s homeowner’s or renter’s insurance, which usually carries $100,000 to $300,000 of liability coverage. Some policies exclude certain breeds or dogs with a bite history, so ask for the policy early.
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 dog bite questions
Is Maryland a strict liability state for dog bites?
Only in some situations. The law presumes the owner knew the dog was dangerous, which the owner can rebut. Owners are strictly liable for a dog running at large.
What if I was partly at fault for the bite?
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. Provoking or teasing the dog is the usual argument.
How long do I have to file a dog bite claim in Maryland?
three years from the bite.
Who pays for a dog bite?
Usually the owner’s homeowner’s or renter’s insurance. Report the bite to animal control and get the owner’s insurance details at the scene if you can.
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.