Maryland Car Accident Settlement Calculator
Estimate a car accident settlement under Maryland law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Maryland law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Maryland applies contributory negligence. Any plaintiff fault bars recovery.
Coleman v. Soccer Ass'n of Columbia, 432 Md. 679, 69 A.3d 1149 (2013)·Source retrieved 2026-07-27
Md. Code, Cts. & Jud. Proc. § 11-108(b)(2)·Last reviewed 2026-07-31
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Maryland car insurance law: minimums, PIP and uninsured motorist coverage
What Maryland's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Maryland: Minimum liability coverage
“The security required under this subtitle shall provide for at least: (1) The payment of claims for bodily injury or death arising from an accident of up to $30,000 for any one person and up to $60,000 for any two or more persons, in addition to interest and costs; (2) The payment of claims for property of others damaged or destroyed in an accident of up to $15,000, in addition to interest and costs; (3) Unless waived under § 19–506 of the Insurance Article or rejected under § 19–506.1 of the Insurance Article, the benefits described under § 19–505 of the Insurance Article as to basic required primary coverage; (4) The benefits required under § 19–509 or § 19–509.1 of the Insurance Article as to required additional coverage; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Maryland: No-fault, personal injury protection and the right to sue
“(a) Unless waived in accordance with § 19–506 of this subtitle or rejected in accordance with § 19–506.1 of this subtitle, each insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide coverage for the medical, hospital, and disability benefits described in this section […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“The minimum medical, hospital, and disability benefits provided by an insurer under this section shall include up to $2,500 for: (i) payment of all reasonable and necessary expenses that arise from a motor vehicle accident and that are incurred within 3 years after the accident for necessary prosthetic devices and ambulance, dental, funeral, hospital, medical, professional nursing, surgical, and X–ray services; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
No limit on a suit for pain and suffering was found in the provisions read for this page (Md. Code, Ins. §§ 19-505 and 19-509, and Transp. § 17-103).
Maryland: Uninsured and underinsured motorist coverage
“(c) In addition to any other coverage required by this subtitle, each motor vehicle liability insurance policy issued, sold, or delivered in the State after July 1, 1975, shall contain coverage for damages, subject to the policy limits, that: (1) the insured is entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injuries sustained in a motor vehicle accident arising out of the ownership, maintenance, or use of the uninsured motor vehicle; (2) the insured is entitled to recover from the owner or operator of an uninsured motor vehicle because of property damage, including loss of use of the insured vehicle; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“(e) (1) The uninsured motorist coverage contained in a motor vehicle liability insurance policy: (i) shall at least equal: 1. the amounts required by Title 17 of the Transportation Article for bodily injury and property damage, including loss of use of the insured vehicle; and 2. the coverage provided to a qualified person under Title 20, Subtitle 6 of this article; and (ii) may not exceed the amount of liability coverage provided under the policy. (2) Unless waived in accordance with § 19–510 of this subtitle, the amount of uninsured motorist coverage provided under a private passenger motor vehicle liability insurance policy shall equal the amount of liability coverage provided under the policy.”
Maryland: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (Md. Code, Ins. §§ 19-505 and 19-509, and Transp. § 17-103).
The personal injury protection benefits quoted above include medical expenses.
What partial fault costs you in Maryland
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Maryland law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Maryland deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Maryland periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Md. Code, Cts. & Jud. Proc. § 5-101·Source retrieved 2026-07-27
Open the personal injury calculatorMd. Code, Cts. & Jud. Proc. 5-109 requires filing by the earlier of 5 years from when the injury was committed or 3 years from discovery. We publish the 3-year discovery period. A claim goes to the Health Care Alternative Dispute Resolution Office first, with an expert certificate.
Md. Code, Cts. & Jud. Proc. 5-109·Last reviewed 2026-07-28
Open the medical malpractice calculatorMd. Code, Cts. & Jud. Proc. § 3-904(g)·Source retrieved 2026-07-27
Open the wrongful death calculatorMd. Code, Lab. & Empl. § 9-709·Source retrieved 2026-07-27
Open the workers compensation calculatorMd. Code, Cts. & Jud. Proc. § 5-101·Source retrieved 2026-07-27
Open the slip and fall calculatorMd. Code, Cts. & Jud. Proc. § 5-101·Source retrieved 2026-07-27
Open the dog bite calculatorMaryland against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 6 of the 51 jurisdictions we track apply the contributory negligence rule, and Maryland is one of them.
- Its 3 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data, and Maryland is one of them at $980,000, so a large non-economic award can be reduced to it.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology