Car Accident Statute of Limitations in Maryland

Car accidents can lead to significant physical, emotional, and financial challenges, and you don’t want to miss out on the opportunity to recover the compensation you need to recover.

If you’ve been injured in a car accident in Maryland, understanding the car accident statute of limitations is critical. Missing key deadlines can mean losing your right to compensation.

This guide will walk you through the essentials of Maryland’s statute of limitations for car accident claims, the exceptions, and why timely legal action matters.

What Is the Car Accident Statute of Limitations in Maryland?

In Maryland, the statute of limitations for filing a personal injury lawsuit related to a car accident is typically three years from the date of the accident. Typically, missing this deadline results in the dismissal of your case, leaving you with no legal recourse to recover damages. Therefore, you only have three years to file a lawsuit seeking compensation for medical bills, lost wages, property damage, and other losses.

How Long After an Accident Do You Have to File a Claim?

While the car accident statute of limitations for lawsuits is three years, filing an insurance claim should happen much sooner. Maryland follows an at-fault system, meaning you’ll negotiate compensation through the at-fault driver’s insurance company.

Most insurance policies require prompt notification of an accident. Waiting too long can also make proving your claim more difficult, as evidence may be lost, and the insurer may argue that the delay prejudiced their investigation.

Exceptions to Maryland’s Statute of Limitations

Certain circumstances can extend or modify the three-year deadline:

Minors

If the injured party is under 18, the statute of limitations does not begin until their 18th birthday. Therefore, they have until their 21st birthday to file a lawsuit.

Discovery of Injuries

In some cases, injuries sustained in an accident may not be immediately apparent. In these cases, the statute of limitations may not begin until the injury is or reasonably should have been discovered. However, this is a broad generalization of what is known as the “discovery rule.” The law around this rule is very complicated.You should not rely on it to delay your claim beyond the usual three year statute of limitations. You should seek prompt and immediate legal advice as soon as possible after any accident.

Wrongful Death

For cases involving a fatality, the statute of limitations is generally three years from the date of death, not the date of the accident. However, much like the “discovery rule” above, this is a very broad generalization and the law is very complicated. You should always try to bring any claim for injuries after any accident well within the usual three year statute of limitations.

Government Entities

You must adhere to stricter timelines if the accident involves a government vehicle or employee. In Maryland, claims against the government must comply with the Maryland Tort Claims Act or the Local Government Tort Claims Act. You have to give notice within one year of the date of accident, and you have to do it in a particular manner.

If you do not comply fully with the statute, then you cannot bring your claim even if you try to do so within the usual three year statute of limitations. Again, this is very complicated. Seek legal counsel as soon as possible after any accident. Waiting can be fatal to your claim.

How Long After a Car Accident Can I Sue?

The ability to file a lawsuit depends on compliance with the car accident statute of limitations. Missing the deadline will likely bar you from pursuing legal action, even if you have a valid claim. However, exceptions like those mentioned above may apply. This makes it essential to consult with a Waldorf car accident attorney who can assess your case and ensure all deadlines are met.

Why Prompt ActionMatters

Filing a claim or lawsuit isn’t just about meeting legal deadlines. Acting promptly after an accident has practical advantages, such as preserving physical evidence and contacting witnesses while their memories are fresh.

Timely action also demonstrates seriousness and credibility when negotiating with insurance companies or presenting your case in court. The longer you wait, the more challenging it can become to establish a clear connection between the accident and your injuries, which could weaken your claim.

Consequences of Missing Deadlines

Failing to comply with the car accident statute of limitations can have severe consequences, including:

• Case dismissal. Courts will dismiss your lawsuit, leaving you without legal recourse.
• Loss of compensation. You forfeit the chance to recover damages for your injuries, lost wages, and other losses.
• Legal prejudice. Delays can make it harder to prove your case, even if you meet the deadline.

Additionally, delay may signal to insurance companies and opposing parties that your claim lacks urgency or validity, potentially diminishing the strength of your negotiation position. This can result in lower settlement offers or outright claim denials, further compounding your losses.

Take Action Now – Contact Southern Maryland Law

Time is of the essence after a car accident. Don’t risk losing your right to compensation by waiting too long to act. Southern Maryland Law is here to help you navigate Maryland’s legal system, meet critical deadlines, and build a strong case.

Contact us today to schedule a consultation and ensure your rights are protected. Let us handle the legal complexities so you can focus on your recovery.

Taking timely action safeguards your claim and sets the foundation for a successful outcome. Don’t wait—contact us now to get started.