Car Accident Medical Costs in Maryland
Maryland is an at-fault (tort) state. PIP insurance is required with a minimum of $2,500. Minimum bodily injury limits are $30K / $60K.
At-Fault (Tort) System in Maryland
Maryland is an at-fault (tort) state. This means the driver who caused the accident is responsible for paying the other party's medical bills and damages through their bodily injury (BI) liability insurance. Injured parties can sue for full damages including pain and suffering without restrictions.
How medical bills get paid in Maryland:
- MedPay pays first (if you carry it) — no fault needed
- Health insurance covers remaining bills (with subrogation rights)
- Attorney may issue Letter of Protection for ongoing treatment
- At-fault driver's BI insurance pays through settlement ($30K / $60K minimum)
- UM/UIM coverage fills gaps if at-fault driver is underinsured (required in Maryland)
Maryland Auto Insurance Requirements
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $15,000 |
| PIP Required? | Yes — minimum $2,500 |
| UM/UIM Required? | Yes |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,280/year ($190/month) |
| Uninsured Motorist Rate | 12.2% (national avg: 15.4%) |
After a Car Accident in Maryland
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In Maryland, file a PIP claim with your own insurer first. PIP covers up to $2,500 regardless of fault.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
An attorney can help negotiate medical liens (often reducing them 30-50%), handle insurance negotiations, and ensure you receive full compensation. Average settlements are 4.4x higher with attorney representation.
Medical Procedure Costs in Maryland
Medical costs in Maryland are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in Maryland.
View Maryland Medical Procedure Costs →Maryland Insurance Department
For official information about auto insurance requirements and consumer complaints in Maryland:
Maryland Insurance Administration