Maryland Car Accident Settlement Calculator
Estimate your potential settlement based on Maryland guidelines.
Estimated Settlement Range
Economic Damages: $0
Non-Economic Damages: $0
Total Property Damage: $0
Est. Total (Before Fault): $0
Fault Reduction (0%): $0
Est. Final Payout: $0
Disclaimer: This is a simplified estimate for educational purposes only. It is not legal advice. Your recovery is subject to multiple Maryland laws: 1) Contributory Negligence: If you are 1% or more at fault, you recover $0. 2) **Non-Economic Cap:** Pain & suffering is capped at $960,000 for 2025. 3) **PIP State:** Your own PIP covers initial medical bills, but you can still claim them from the at-fault driver. 4) Policy Limits: Your final payout is capped by the at-fault driver’s insurance limits.
What Is the Maryland Car Accident Settlement Calculator?
The Maryland Car Accident Settlement Calculator is a free online tool that estimates the potential value of your car accident claim. It accounts for both economic damages (like medical bills and lost wages) and non-economic damages (like pain and suffering), all while factoring in state-specific laws like:
- Maryland’s contributory negligence rule
- Caps on non-economic damages
- Insurance policy limits
- Vehicle damage severity
- Injury severity levels
Whether you’re filing a claim, negotiating with an adjuster, or hiring an attorney, this calculator gives you a smart head start.
Why Maryland Law Makes This Calculator Different
1. Contributory Negligence = All or Nothing
In Maryland, if you’re even 1% at fault, you are barred from recovery. The calculator reflects this. If you input 1% or more fault, it immediately tells you:
“You’re not eligible for any compensation under Maryland law.”
That’s harsh—but it’s real. No guessing.
2. Pain & Suffering Is Capped
Maryland limits how much you can receive for non-economic damages (like emotional distress or long-term pain). For 2025, the cap is $960,000. The calculator won’t let your estimate exceed that.
3. Insurance Policy Limits Apply
Even if your total damages are sky-high, you can only collect what the at-fault driver’s insurance covers. The calculator includes:
- Bodily injury limits (default: $40,000)
- Property damage limits (default: $30,000)
You can adjust these to match the real numbers.
How the Calculator Works: Behind the Scenes
Here’s what the tool looks at to generate your estimated settlement:
| Input | What It Means | Why It Matters |
|---|---|---|
| Medical Bills | Total doctor/hospital expenses | Major driver of both economic and non-economic damages |
| Lost Wages | Income lost during recovery | Adds to economic damages |
| Future Medical Costs | Anticipated treatments or surgeries | Raises the settlement significantly |
| Recovery Days | Total recovery time | Impacts pain & suffering value |
| Vehicle Value + Damage Severity | Assesses property damage payout | Used to calculate how much of the car’s value can be claimed |
| Injury Severity Level | Selected from dropdown | Affects the pain & suffering multiplier |
| Fault (%) | Your share of the blame | If 1% or more, your claim = $0 |
| Policy Limits | Insurance caps for BI and PD | Your payout can’t exceed these, no matter the damage |
| Bonus Factors | DUI, attorney involvement, witnesses, etc. | These adjust the pain & suffering multiplier up or down |
Good to know: The calculator estimates a range, giving you a low and high value to reflect negotiation leeway and unknowns.
The Formula (Simplified)
To help you understand the numbers:
Total Settlement = Economic Damages + Non-Economic Damages + Property Damage
Then:
- Adjust for fault (if any)
- Cap at the policy limits
- Round off to a range for realism
And just like that, you’ve got an honest estimate.
Extra Features That Make It Smarter
The calculator isn’t just math. It’s built with logic and Maryland law in mind:
- Checks if police report was filed
- Accounts for DUI at-fault drivers
- Rewards presence of independent witnesses
- Increases payouts for commercial vehicles
- Reduces estimates for pre-existing conditions
- Adds value if you’re represented by a lawyer
These factors affect how seriously your claim is taken by insurers—and this tool knows it.
Real-World Example
Let’s say you enter:
- $10,000 in medical bills
- $3,000 in lost wages
- 60 days of recovery
- Moderate injury
- 0% fault
- A DUI was involved
- The vehicle is totaled (worth $12,000)
The calculator might show:
- Economic damages: $13,000
- Non-economic damages: ~$45,000
- Property damage: ~$12,000
- Estimated total: $65,000 – $70,000 (capped by insurance limits if applicable)
Limitations to Know
While powerful, this calculator:
- Can’t override Maryland’s strict fault rules
- Won’t replace real legal advice
- Is only as accurate as the numbers you enter
If your case is complex or involves serious injuries, talk to a Maryland car accident attorney to validate or challenge the estimate.
How to Use the Calculator (Quick Steps)
- Enter all known damages: medical bills, lost wages, car value.
- Set injury level based on your diagnosis.
- Adjust fault percentage honestly.
- Add policy limit info if available.
- Check any bonus factors that apply.
- Click “Calculate” and review your estimated payout.
You’ll get:
- Total breakdown of damages
- Fault-adjusted totals
- Final payout estimate
- Policy limit caps clearly shown
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