Is Maryland a no-fault state? No.

How Maryland\'s framework works in practice

No, Maryland is not a no-fault state. Maryland operates under a traditional tort (at-fault) auto-insurance system: the driver who caused the crash , through their liability insurance , is responsible for the injured party's medical bills, lost wages, and pain and suffering.

Without no-fault, Maryland claims move through traditional tort procedure: medical bills are pursued against the at-fault liability carrier, fault is contested, and comparative-negligence rules determine the final recovery. The system places more weight on the plaintiff's ability to document fault.

MedPay coverage in Maryland

Maryland does not mandate PIP coverage. Most Maryland drivers carry MedPay (Medical Payments) coverage instead, which is an optional first-party medical-expense benefit. MedPay is typically less generous than PIP but operates similarly , it pays medical bills regardless of fault, up to the policy limit.

Minimum-liability coverage in Maryland

Maryland statutory minimum coverage is 30/60/15. Many Maryland drivers carry only the minimum, which is why uninsured- and underinsured-motorist coverage on the plaintiff's own policy is the single most important coverage to verify in serious injury cases.

The Maryland claim process: from accident to recovery

The standard Maryland claim process treats the at-fault carrier as the first source of recovery. If that policy is inadequate, secondary sources include the plaintiff's own UM/UIM coverage, any applicable umbrella policies, and (in third-party-defendant cases) the assets of co-defendants. Each tier requires separate notice, separate documentation, and separate negotiation strategy. Missing a notice deadline on any tier can extinguish that source of recovery entirely.

Maryland auto-insurance carrier landscape

Maryland's auto-insurance market is dominated by a familiar set of carriers , State Farm, GEICO, Progressive, Allstate, Liberty Mutual, USAA, and Farmers , plus regional specialists. Maryland's Department of Insurance publishes complaint ratios and market-share data annually; carriers with high complaint ratios relative to market share are flagged for additional regulatory scrutiny. For plaintiffs, this matters because complaint-ratio data is admissible bias evidence in extreme bad-faith cases.

How Maryland's framework looks in real cases

Real Maryland case patterns illustrate the legal rules. A typical scenario: a driver is rear-ended at a red light in a Maryland intersection, sustains a soft-tissue cervical strain plus a more serious lumbar disc protrusion that requires steroid injections and eventually a microdiscectomy. The defendant's insurer offers $15,000 pre-suit; the case settles at $185,000 after the demand package is upgraded with the surgical records and a future-care report from a board-certified orthopedist. The decisive evidence is the gap between the conservative-treatment phase and the surgical phase.

Common mistakes that reduce Maryland case value

The most common mistakes Maryland injury plaintiffs make are: (1) giving a recorded statement to the at-fault carrier without counsel, (2) signing medical authorizations that are broader than the case requires, (3) settling the property-damage claim and not realizing it can affect the bodily-injury claim, (4) waiting too long to seek treatment (creating "gap-in-treatment" arguments for the defense), and (5) posting about the incident or their injuries on social media. Each of these can substantially reduce settlement value.

Maryland no-fault FAQ

Is Maryland a no-fault state in 2026?

No. Maryland\'s auto-insurance framework is set by Md. Code Ins. § 19-509.

Can I sue after a Maryland car accident?

Yes. Maryland is an at-fault state, so injured parties can sue the at-fault driver directly. Recovery is subject to the state's comparative-fault rule and the at-fault driver's liability limits.

What is the minimum liability coverage required in Maryland?

30/60/15, set by Md. Code Ins. § 19-509. The format is per-person bodily injury / per-accident bodily injury / property damage.

Do I need UM coverage in Maryland?

Yes. Maryland requires UM coverage at a minimum of 30/60 per Md. Code Ins. § 19-509.

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

3 years from the date of injury, under Md. Code Cts. & Jud. Proc. § 5-101. Government-defendant notice deadlines are typically shorter , see the SOL detail page for Maryland.

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