Disclaimer: This information is for educational purposes and does not constitute legal advice. Contact a qualified Maryland attorney for guidance on your situation.
Detailed Answer
Under Maryland law, you can pursue vehicle damage and bodily injury claims separately. You must follow specific steps and meet deadlines. Here is how to navigate the process:
1. Notify Insurers Promptly
Contact your own insurer under collision coverage immediately after the accident. Also notify the at-fault driver’s insurer if you plan a third-party claim.
2. Document Vehicle Damage
Gather photos, repair estimates, and invoices. Obtain at least two independent repair quotes. Include parts, labor, and any diminution in value.
3. File a Property Damage Claim
- First-Party Claim: Submit your evidence to your insurer under collision coverage.
- Third-Party Claim: Send a demand letter and supporting documents to the at-fault party’s insurer.
4. Understand Statute of Limitations
Maryland sets a three-year deadline for property damage and personal injury lawsuits. See Md. Code, Cts. & Jud. Proc. §5-101.
5. Consider Court Options
If the at-fault insurer denies or undervalues your property claim, you may file in Maryland District Court for claims up to $30,000. See Md. Code, Cts. & Jud. Proc. §4-401. For greater amounts or bodily injury claims, file in Circuit Court.
6. Pursue Bodily Injury Claims Separately
Document medical treatment, bills, and lost wages. Submit a detailed demand letter to the at-fault insurer. If negotiations fail, file suit before the three-year deadline.
Helpful Hints
- Preserve all accident-related documents and receipts.
- Get a rental car if your policy covers loss of use.
- Keep a repair and expense log.
- Consult a Maryland attorney before filing suit.
- Check insurance policy limits and umbrella coverage.