Maryland Motor Vehicle Accident Settlement Calculator

Maryland gives you 3 years from the date of the incident to file a lawsuit, which is in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Maryland applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

Maryland requires all drivers to carry minimum liability insurance of $30K per person / $60K per accident in bodily injury coverage and $15K in property damage coverage (commonly written as 30/60/15). These minimums are above the national average, providing somewhat better baseline protection for accident victims. Maryland also requires uninsured motorist (UM) coverage of at least $30K per person, which protects you if the at-fault driver has no insurance. As a no-fault state, Maryland also mandates personal injury protection (PIP) coverage of at least $3K.

Claims against government entities in Maryland — such as accidents involving government vehicles, city buses, or dangerous road conditions maintained by a municipality — require a formal notice of claim within 180 days. This compressed timeline catches many accident victims off guard. If a government entity may be at fault, consulting an attorney immediately is critical to preserving your right to compensation.