Many drivers in Maryland are unsure whether the state follows a no-fault insurance or an at-fault system. Understanding this distinction is essential, especially after an accident, as it determines how compensation is pursued and who is responsible for damages.

Maryland is an At-Fault State

Maryland follows an at-fault insurance system, meaning the driver responsible for an accident is liable for damages. Unlike no-fault states, at-fault drivers in Maryland must cover the injured party’s medical expenses, lost wages, and property damage.

Injured drivers can seek compensation through the at-fault driver’s insurer, their policy, or a lawsuit. Because Maryland’s system requires proof of fault, working with a Waldorf car accident attorney can help ensure your rights are protected and you receive the compensation you deserve. To learn more about how we handle these claims, visit our Personal Injury page.

The Impact of Contributory Negligence

Maryland has one of the strictest contributory negligence rules in the country. Under this rule, if an injured party is even 1% at fault for an accident, they are barred from recovering any compensation.

For example, if a driver is involved in a parking lot accident and an insurance company argues that they were partially responsible, they may be denied compensation entirely. This makes legal representation crucial, especially for those seeking justice after a hit-and-run accident or other serious incidents. Our hit-and-run accident lawyer, Waldorf, MD, can help if you need assistance with your case.

Maryland’s Insurance Requirements

Maryland law requires all drivers to carry minimum liability insurance, which includes:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $15,000 for property damage

Additionally, drivers must have uninsured motorist coverage, which protects in accidents involving uninsured or underinsured drivers. This coverage is critical in hit-and-run cases where the at-fault driver cannot be identified. If you were injured in a situation like this, our team can help you understand your legal options. More information on how we assist accident victims can be found on our Contact Us page.

What to Do After a Car Accident in Maryland

After an accident, taking the proper steps can strengthen your claim and help you recover compensation:

1. Call 911 – Report the accident and request medical assistance if needed.
2. Gather Evidence – Take photos of the scene, vehicle damage, and visible injuries.
3. Exchange Information – Obtain contact and insurance details from the other driver.
4. Seek Medical Attention – Even if injuries are not immediately visible, getting checked by a doctor is essential.
5. Consult a Waldorf personal injury attorney – An attorney can evaluate your case and handle negotiations with insurance companies.

Our firm has helped numerous clients secure the compensation they deserve after serious accidents. If you need legal guidance, we encourage you to contact us for a consultation. Visit our Reviews page to read what our past clients have to say.

When to File a Lawsuit

Maryland has a three-year statute of limitations for filing personal injury lawsuits. This means that accident victims generally have three years from the accident date to take legal action. If this deadline passes, the right to seek compensation may be lost.

Certain exceptions, such as in cases involving minors or delayed injury symptoms, may apply. Speaking with our accident injury lawyer, Waldorf MD, as soon as possible can help ensure your claim is filed on time. We have a strong track record of obtaining favorable results for accident victims, which you can see on our Case Results page.

Proven Results for Our Clients

At the Law Office of Robert Castro, P.A., we have a history of securing favorable results for clients injured in car accidents, truck accidents, and other personal injury cases. Our firm is committed to fighting for the maximum compensation available under the law.

Our legal team is dedicated to achieving the best possible outcome for every client.

Additional Legal Insights on Maryland Car Accident Claims

How Fault Determinations Affect Multi-Vehicle Collisions

Fault becomes especially important in multi-vehicle accidents. These incidents often involve conflicting accounts and overlapping insurance claims. Because Maryland applies strict contributory negligence, any party found even slightly at fault can be barred from receiving compensation.

For example, insurers and courts examine each vehicle’s movement in a chain-reaction collision to determine who caused the initial impact and whether other drivers could have reasonably avoided further collisions. Legal representation plays a vital role here, as evidence like dashcam footage or witness testimony can influence liability findings.

The Value of Police Reports in Establishing Liability

Police reports often shape the outcome of car accident claims. While not legally binding, the officer’s account influences insurance negotiations. These reports may include details about road conditions, traffic violations, and driver behavior.

When the report contains errors or mischaracterizations, an attorney can help challenge those findings or submit corrections. Independent evidence becomes crucial when liability is disputed under Maryland’s strict legal standards.

Early Medical Care as Legal Documentation

Getting prompt medical treatment after an accident protects your health and creates a documented injury record. Insurance companies may argue that delays in care mean the injuries weren’t serious, weakening your claim.

Timely treatment helps establish a clear link between the accident and your injuries. This documentation is essential in a fault-based system, where recovery depends on demonstrating that another party caused the harm. It also prevents insurers from blaming unrelated health issues or pre-existing conditions, further complicating your claim.

Making Claims for Uninsured or Underinsured Drivers

Even with required uninsured motorist coverage, filing these claims can be complex. You must first show that the at-fault driver had no insurance or insufficient coverage. At that point, your insurer becomes the opposing party.

Insurance companies may dispute the amount of your claim, even under your own policy. Legal guidance can help enforce your policy terms and avoid underpayment. Prompt action also matters, as waiting too long can reduce your ability to recover compensation.

Challenges in Presenting Non-Economic Losses

Victims can recover for more than medical bills and lost wages. Maryland law also permits compensation for pain, emotional distress, and reduced quality of life. However, these damages are more difficult to prove and are often contested.

A qualified attorney can help demonstrate the impact through medical records, personal statements, or expert testimony. This evidence is often essential in severe injury cases to present a complete picture of what the victim has lost.

Legal Support Strengthens Injury Claims

Strict laws make car accident claims more difficult to pursue without legal help. Contributory negligence, policy disputes, and evidentiary issues all affect the outcome. A personal injury lawyer understands how to navigate these obstacles effectively.

Speaking with an attorney early can make a difference if you were involved in a collision and have questions about your legal rights. Legal support can help you gather the proper evidence, manage communications, and meet all legal deadlines.

Committed to Fighting for Injury Victims

Maryland’s at-fault insurance laws and strict contributory negligence rule make it challenging for accident victims to recover compensation. At the Law Office of Robert Castro, P.A., we have over 50 years of collective experience handling personal injury cases. We are dedicated to helping injury victims manage the legal system and recover fair compensation.

We operate on a contingency fee basis, meaning you pay nothing unless we win your case. Evening and weekend appointments are available, and we prioritize returning client calls within 24 hours. Contact us today to schedule a consultation, and let us fight for the justice and compensation you deserve.