Accidents in Maryland, whether they happen in Baltimore, along the Beltway, or in rural areas, can bring confusion, stress, and unexpected expenses. Understanding your rights and knowing what steps to take after an injury can help you regain control and make smarter decisions for yourself or your family. Below are some of the most frequently asked questions about personal injury, insurance, and accident-related claims in Maryland.

How long do I have to file a personal injury lawsuit in Maryland?

In Maryland, the statute of limitations for most personal injury claims is three years from the date of the accident. If you don’t file your lawsuit in that time frame, the court may dismiss your case entirely. There are a few exceptions, such as cases involving minors, but those are limited. It’s best to consult with an attorney as soon as possible.

What should I do right after an accident in Maryland?

First, check for injuries and call 911 to report the crash or incident. Exchange insurance and contact information with anyone involved and take photos of the scene if it’s safe. Seek medical care immediately, even if symptoms seem minor. Once stable, notify your insurance company and speak with a lawyer before discussing the case further.

Is Maryland a no-fault or at-fault state?

Maryland is an at-fault state, meaning the driver or person responsible for the accident must pay for damages. You have the right to file a claim with the other party’s insurer or sue for compensation if they caused the incident. Fault must be proven with evidence, which is why police reports, witness statements, and medical records are important.

Can I still get compensation if I was partially at fault?

Maryland follows a very strict rule called contributory negligence. If you are found to be even 1 percent at fault, you may not recover any damages at all. This rule makes Maryland different from most other states and can be harsh on accident victims. Having a skilled attorney can make a big difference in proving fault.

What types of damages can I claim in a personal injury case?

You may be entitled to recover damages for medical expenses, lost wages, property damage, and pain and suffering. If your injury is long-term or disabling, you may also claim future medical costs and loss of earning capacity. The amount depends on how serious your injuries are and the evidence you provide.

How can I obtain a police report in Maryland?

To get a police report in Maryland, contact the law enforcement agency that responded to the accident. The Maryland State Police and local departments often have online request forms. Visit https://mdsp.maryland.gov to learn more about how to request reports and what information you’ll need.

What should I do if someone I love dies in an accident?

If your family member died because of someone else’s actions or negligence, you may be able to file a wrongful death claim. In Maryland, immediate family members such as spouses, parents, and children can file these lawsuits. Damages may include funeral expenses, emotional loss, and loss of future financial support. The deadline to file is three years from the date of death.

What if the other driver doesn’t have insurance?

If you’re hit by an uninsured driver, you may still be covered under your own uninsured motorist (UM) policy. In Maryland, UM coverage is required by law and typically included in auto insurance policies. If you don’t have enough coverage, you may also be able to sue the at-fault driver directly. However, collecting damages from an uninsured individual can be difficult without legal help.

Are there financial assistance programs for injury victims?

Yes. Maryland residents may qualify for help through Medicaid, Temporary Cash Assistance, and Supplemental Nutrition Assistance Program (SNAP). If your injury was the result of a crime, the Maryland Criminal Injuries Compensation Board may also help cover expenses. These programs can provide relief while your claim is being handled.

Should I take the insurance company’s first offer?

It’s rarely a good idea to accept the first settlement offer from an insurance company. These offers are often too low to cover your real costs. Once you accept, you can’t go back and ask for more, even if your condition worsens. A personal injury attorney can help determine whether the offer is fair.

Can I sue the government if I was injured on public property?

Yes, but filing a claim against a government agency in Maryland has special rules and shorter deadlines. You usually must submit a notice of claim within one year of the accident. There are also limits on how much you can recover. Because these claims are complex, legal help is strongly recommended.

What should I do if I was injured at work?

If you’re injured while working, you may be eligible for workers’ compensation. This includes medical care, wage replacement, and compensation for permanent injuries. You must report the injury to your employer right away and file a claim with the Maryland Workers’ Compensation Commission. In some cases, you may also be able to file a third-party claim if another person or company was involved.

How long does a personal injury case take in Maryland?

Some cases settle quickly, in just a few months, while others may take more than a year—especially if they go to trial. The timeline depends on how severe the injuries are, whether fault is disputed, and how cooperative the insurance companies are. A lawyer can give you a better estimate after reviewing the details of your situation.

Do I really need a lawyer for a personal injury case?

While you’re not legally required to hire a lawyer, having one can improve your chances of receiving fair compensation. A lawyer can collect evidence, deal with insurers, and ensure that deadlines are met. Most personal injury lawyers in Maryland work on contingency, so you don’t pay unless you win your case.