Maryland Car Accident Lawyers: The Difference Between Fault and No-Fault Insurance States

After an auto accident that results in significant injury, the first steps most victims want to take are to determine liability and file a claim seeking compensation. To help the post-accident insurance process move ahead as smoothly as possible, however, it’s important to understand the different car insurance liability laws in Maryland versus those in other states:

  • We live in what’s known as a “fault” state when it comes to car insurance, and thus, drivers found legally responsible for a car crash are financially liable for any damages or injuries resulting from an accident. Typically, the at-fault drivers’ car insurance companies pay for these damages under the terms of their policies.
  • Conversely, many other states operate as “no fault” insurance states. This means that people injured in a car accident, whether or not they were fully or partially responsible, must exhaust their policies’ coverage before attempting to pursue compensation in a claim against another driver. These states require drivers to carry either personal injury protection (PIP) coverage or no-fault car insurance to protect themselves from uninsured drivers or other insurance companies that fail to provide compensation in a timely manner.

Maryland’s status as a “fault” car insurance state makes it possible for auto accident victims to pursue the monetary damages they need and deserve without necessarily having to turn to their own insurance policies and argue over coverage. This can make the process of seeking compensation a little bit less complicated for accident victims in our state. On the other hand, victims often must deal with other involved parties’ insurance companies and lawyers, which can be a struggle on its own. It’s crucial for those hurt in car accidents in Baltimore or elsewhere in MD to rely on an attorney for support throughout the process. If you or a loved one has been injured in a car accident in Maryland,  contact the knowledgeable and compassionate Maryland car accident lawyers at LeViness, Tolzman & Hamilton, P.A. to discuss your legal rights and options and start obtaining the compensation you deserve.