What is a car accident claim worth in Maryland?
Every rule below is quoted from Maryland law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Maryland, and the Maryland rules that raise or lower what you collect. $17,714 was the average injury claim paid in Maryland in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Maryland law on this site, each with a link.
What claims paid in Maryland
Injury claims in Maryland averaged $17,714 each in 2022.
Car and property damage claims averaged $5,823.
| Injury claim paid by the at fault driver's insurance | $17,714 |
|---|---|
| Car and property damage | $5,823 |
| Personal injury protection, paid by your own policy | $3,042 |
| Medical payments coverage, paid by your own policy | $4,153 |
| Collision coverage, paid by your own policy | $6,337 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Maryland
If you were partly at fault
Maryland still follows contributory negligence, so if you are even slightly at fault for the crash, courts can bar you from recovering any money from the other driver.
“We shall hold that, although this Court has the authority to change the common law rule of contributory negligence, we decline to abrogate”
The other driver's policy limit is the ceiling
Maryland drivers must carry at least $30,000 in bodily injury coverage per person, $60,000 per crash, and $15,000 in property damage coverage.
“The minimum amount of liability coverage required by Maryland Law is: $30,000 for bodily injury per person $60,000 bodily injury per accident; and $15,000 property damage”
If the other driver has no insurance
Uninsured and underinsured motorist coverage is required on every Maryland auto policy at the same dollar amount as your liability coverage, unless you reject it in writing.
“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”
The deadline that ends the claim
You generally have 3 years from the date of the crash to file a lawsuit for your injuries.
“A civil action at law shall be filed within three years from the date it accrues unless another provision of the Code provides a different period of time”
What a lawyer takes if you hire one
Maryland does not cap the percentage a personal injury lawyer can charge on a contingency fee, but the fee has to be reasonable and the agreement has to be in writing.
“An attorney shall not make an agreement for, charge, or collect an unreasonable fee or an unreasonable amount for expenses”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.