Maryland
Your AI Accident Assistant for Maryland.
We handle Maryland property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Maryland treats your claim
- Total loss threshold
- 75% of fair market value
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $5,000
- Fault rule
- Strict contributory (no recovery if any fault)
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
Fitzgerald v. State Farm Mut. Auto. Ins. Co. (first-party DV denial under anti-DV policy exclusions — STILL UNVERIFIED ON .GOV)
Md. Ins. § 10-401
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What Claimoe does for Maryland claims
- · Drafts every adjuster email for your approval, with Maryland-specific language and citations.
- · Calculates your diminished value using the 17c framework and Fitzgerald v. State Farm Mut. Auto. Ins. Co. (first-party DV denial under anti-DV policy exclusions.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Maryland rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.