To answer the question of whether or not Maryland is a no-fault state for car accidents, then the answer is a No because Maryland is a fault-based state.
To clarify what is no-fault and fault car insurance: well a fault system decides on which person will pay for the damages if an individual has suffered a car accident. Moreover, if a state follows the no-fault system then the injured individual will have to first check his or her own vehicle coverage policy in order to receive reimbursement for the damages he or she received, after the money for their own insurance policy is exhausted, then he or she can file a claim against the other motorist. Thus in a no-fault state whether or not you or the other driver(s) are at fault for a car accident is irrelevant. However, in Maryland which follows a fault based system due to following the contributory negligence which states if you are at fault for even the smallest reason then you will not receive compensation from the other motorist. Moreover, in Maryland, you do not need to exhaust the amount of money covered by your own coverage policy before filing a claim against the motorist that caused your injuries. In addition, you will have 3 likely options in order to file a claim for compensation from the other driver in Maryland and they are:
- You are allowed to pursue the at-fault motorist`s insurance firm for reimbursement
- You can file a statement with your own insurance company, or
- You can directly sue the at-fault motorist for your damages
It likely that most individuals will go for option #1 in order to seek compensation and not option #2 because the chances of seeking reimbursement from your own coverage company for an accident caused by another driver is not very practical.
Furthermore, in Maryland, there are minimum liability limits for car insurance that are set in place by Maryland law and they state that a motor has to carry and they are:
- $15,000 for property damage
- $30,000for Injury or death of 1 individual
- $60,000 for injury or death of 2 or more individuals
Moreover, since Maryland is an at-fault state, in case an individual is in a serious car accident and the minimum liability that the at-fault motorist is carrying is not enough, then with the aid of a solicitor, an individual will have options with the possibility of receiving a higher amount in compensation for the at-fault party. Nevertheless, if an individual chooses this option then they have to be prepared to face stiff resistance by the other motorists insurance firm because they do not make cash by handing out large sums of money for reimbursement thus they will fight you during the course of the entire lawsuit. Therefore, it is important to have an experience and qualified lawyer to safeguard your rights and make sure you receive the highest amount of compensation available.
If you need a Maryland Car Accident Lawyer to help you with your Car Accident case in Maryland, call us at 888-437-7747. Our Maryland Car Accident Attorneys can help you.