What to Do in the First 24 Hours After a Car Accident in Maryland
A car accident can happen in an instant — and the decisions you make in the hours that follow can determine whether you walk away with fair compensation or lose your right to recover anything at all.
Maryland has some of the strictest car accident laws in the country. Understanding what to do — and what not to do — immediately after a crash isn’t just good advice. It can be the difference between a strong legal claim and no claim at all.
Here is a step-by-step guide to protecting yourself in the first 24 hours after a car accident in Maryland.
Step 1: Make Sure Everyone Is Safe
Your first priority is safety — yours and everyone else at the scene.
If you are able to move and your vehicle is causing a hazard, pull it to the shoulder or a nearby safe area and turn on your hazard lights. If anyone appears seriously injured, do not attempt to move them unless there is an immediate danger such as fire.
Call 911 immediately if someone is hurt, a driver seems to be under the influence of drugs or alcohol, or a driver tries to flee the scene without providing the proper information. Baldwinbriscoe
Even if injuries seem minor in the moment, err on the side of calling law enforcement. Adrenaline is a powerful masking agent — people often don’t feel the full extent of their injuries until hours later.
Step 2: Call the Police and Get an Official Report
Maryland law requires you to report any crash that involves injuries, death, or vehicle damage so severe that a tow truck is needed. Even for minor incidents, calling the police is a crucial step. The responding officer will create an official Maryland accident report — a vital document for your insurance company that provides a neutral record of the accident scene. 410thefirm
The police report will typically include the date, time, and location of the accident, statements from drivers and witnesses, the officer’s initial assessment of fault, and the insurance information for all parties involved.
Do not leave the scene before speaking with officers. Leaving the scene of an accident in Maryland can result in criminal charges regardless of who was at fault.
Step 3: Exchange Information — But Watch What You Say
Maryland law requires drivers to stop at the scene of the accident and exchange information with the other parties involved, including their name, address, license number, and information about insurance policies. Serafini Law
Collect the following from every other driver:
- Full name and home address
- Driver’s license number
- License plate number
- Insurance company name and policy number
- Vehicle make, model, and year
If there are witnesses, get their names and contact information too. Their testimony can be critical later.
One critical warning: do not apologize, admit fault, or make any statements beyond the basic facts. Maryland follows a rule called contributory negligence. Under this system, if you shared any responsibility for the crash — even just 1% — you cannot recover any damages. Not for your medical bills, not for missed work. Even if the other driver was primarily to blame. Insurance adjusters will look for any statement that can be used against you. An offhand “I’m sorry” at the scene can be twisted into an admission of fault. Southernmarylandlaw
Step 4: Document Everything at the Scene
Your smartphone is one of the most powerful tools you have in the minutes after a crash. Use it.
Take photos and video of:
- All vehicles involved, from multiple angles
- The full accident scene including road conditions, traffic signs, and skid marks
- Any visible injuries on yourself or passengers
- The other driver’s license, insurance card, and license plate
- Any damage to surrounding property
More documentation is always better than less. Once emergency crews clear the scene and vehicles are moved, you cannot go back.
Step 5: Seek Medical Attention — Even If You Feel Fine
This is the step most accident victims skip, and it is one of the most costly mistakes you can make.
You must see a doctor, even if you feel fine. Adrenaline can mask pain from serious injuries. A medical record officially documents your injuries, which is essential to determine if you have a personal injury case and to claim medical expenses. 410thefirm
From a legal standpoint, seeking prompt medical attention serves two purposes. First, it creates a documented record linking your injuries to the accident. If you wait several days to see a doctor, insurance companies will argue your injuries were not caused by the crash. Second, it establishes a timeline that strengthens your claim. Gaps in medical treatment are routinely used by insurance adjusters to reduce or deny payouts.
Go to an emergency room, urgent care, or your primary care physician as soon as possible — even if your only complaint is soreness, a headache, or stiffness. Let the medical professional determine the severity.
Step 6: Report the Accident to Your Insurance Company
Notify your own insurance company of the accident as soon as possible. Most policies require prompt notification, and failing to report in a timely manner can jeopardize your own coverage.
Remember: a report is different from a claim. You can report the accident to the insurance company and decide later that you’re not going to file a claim. But if you choose not to report the accident to insurance within a certain period of time, you might lose the ability to make a claim later. Enjuris
When speaking with your insurance company, provide factual information only and do not speculate about fault. And do not give a recorded statement to the other driver’s insurance company without first speaking to an attorney. Their adjusters are trained to minimize payouts, and a statement made before you fully understand your injuries can seriously damage your claim.
Step 7: File a Report with the Maryland MVA If Required
A written report to the Maryland Motor Vehicle Administration (MVA) is required under Maryland Transportation Article § 20-107 if an accident results in bodily injury or death. This applies to the driver of each vehicle and must be submitted within 15 days. This individual report is not necessary if a police officer investigates and files a report with the Maryland State Police. LegalClarity
Maryland imposes consequences for non-compliance with vehicle accident reporting requirements. According to Maryland Transportation Article § 20-109, failure to report an accident when mandated may result in suspension or revocation of a person’s license by the MVA. The MVA can also suspend or revoke the vehicle registration of a person that fails to report. Rice Law
The official form is the Maryland Motor Vehicle Accident Report Form (Form DR-1), available through the MVA.
Step 8: Do Not Post About the Accident on Social Media
This one catches people off guard. In the hours after a crash, it is natural to want to update friends and family. Resist the urge.
Anything you post publicly — photos, comments, status updates — can be discovered by the other driver’s insurance company or attorney and used against you. A photo of you at a family dinner two days after the accident can be used to argue you weren’t seriously injured. A vague comment about what happened can be taken out of context.
Say nothing about the accident on any social platform until your case is fully resolved.
Step 9: Know Your Deadline — Three Years Goes Faster Than You Think
In Maryland, you have three years from the date of the accident to file a personal injury lawsuit. This is known as the statute of limitations. The clock starts ticking the moment you’re injured in an accident. If you miss it, you could be out of luck when it comes to getting the compensation you deserve. Baldwinbriscoe
Three years sounds like a long time. It isn’t. Evidence fades, witnesses become hard to locate, and building a strong case takes time. The sooner you speak with an attorney, the better your position.
Step 10: Speak With a Maryland Car Accident Attorney
Maryland’s contributory negligence rule makes car accident cases uniquely unforgiving. Insurance companies know the law is strict, and they will search for any reason to blame you — because if they can assign even the smallest share of fault to you, your right to compensation may be gone. Southernmarylandlaw
An experienced Maryland car accident attorney can evaluate your claim, deal with insurance adjusters on your behalf, help you avoid the common mistakes that sink cases, and fight to make sure fault is placed squarely where it belongs.
You should never have to navigate this alone — especially when the other side has a team working against you from day one.
Injured in a Car Accident in Maryland? Contact the Law Offices of David N. Mabrey Today.
At the Law Offices of David N. Mabrey, we represent accident victims across Maryland from two convenient locations. If you or a loved one has been injured in a car accident, do not wait. The steps you take in the hours and days after a crash matter enormously — and so does having the right attorney in your corner.
Call us today for a free consultation.
Chestertown Office 107 Court St, Chestertown, MD 21620 📞 410-778-1630
Pasadena Office 8611 Fort Smallwood Rd C, Pasadena, MD 21122 📞 443-702-7708 🚨 Emergency/New Accident: 443-848-2878
Or contact us online here — we’re ready to help.
Frequently Asked Questions About Car Accidents in Maryland
Do I have to call the police after a car accident in Maryland?
You are legally required to call the police if the accident involves any injury, death, or vehicle damage severe enough to require a tow truck. For minor fender benders with no injuries and minimal damage, it is not always legally required — but it is almost always in your best interest. A police report creates an official neutral record that becomes essential evidence if you later need to file an insurance claim or pursue a personal injury lawsuit.
What should I do if the other driver doesn’t have insurance?
First, do not leave the scene and make sure you document everything as you normally would. Then notify your own insurance company as soon as possible. Maryland requires all drivers to carry uninsured motorist coverage, which exists specifically to protect you in this situation. An attorney can help you navigate an uninsured motorist claim and explore whether any other parties — such as a vehicle owner who isn’t the driver — may share liability.
How long do I have to file a car accident claim in Maryland?
In Maryland, the statute of limitations for a personal injury claim is three years from the date of the accident. Miss that deadline and you lose your right to sue entirely, regardless of how strong your case is. However, waiting is never advisable — evidence disappears, witnesses become unreachable, and building a case takes time. Speak with an attorney as early as possible.
What is contributory negligence and how does it affect my case?
Maryland is one of only a handful of states that still follows the pure contributory negligence rule. This means if you are found even 1% at fault for the accident, you can be completely barred from recovering any compensation from the other driver — even if they were 99% responsible. This makes Maryland car accident cases particularly high-stakes and is exactly why you should avoid making any statements about fault at the scene and why having an experienced attorney matters so much.
Should I accept the insurance company’s first settlement offer?
Almost never. Insurance companies make early offers specifically because injured people often don’t yet know the full extent of their injuries or damages. Once you accept a settlement and sign a release, you typically cannot go back and ask for more — even if your injuries turn out to be more serious than initially thought. Always consult with an attorney before accepting any settlement offer.
What if I didn’t feel injured at the scene but started hurting the next day?
This is extremely common. Adrenaline masks pain in the immediate aftermath of a crash, and injuries like whiplash, soft tissue damage, and even traumatic brain injuries can take 24 to 72 hours to fully present. See a doctor as soon as symptoms appear and make sure you tell them you were in a car accident. The medical record connecting your injury to the crash is critical. Do not let a delay in symptoms cause you to delay treatment.
Do I need a lawyer for a minor car accident in Maryland?
Even in cases that initially seem minor, consulting an attorney costs you nothing and can save you significantly. Maryland’s contributory negligence rule means even small disputes about fault can eliminate your right to compensation entirely. What looks like a minor fender bender can turn into a more serious injury case once you’ve been properly evaluated. An attorney can assess your situation quickly, advise you on your options, and make sure you don’t inadvertently say or sign something that hurts your claim.
What damages can I recover after a car accident in Maryland?
Maryland accident victims may be able to recover economic damages including medical expenses, future medical care, lost wages, and property damage. They may also be entitled to non-economic damages for pain and suffering, emotional distress, and loss of enjoyment of life. Maryland does cap non-economic damages — as of 2024 the cap sits at $935,000 — but economic damages are not capped. The specific damages available depend on the facts of your case, which is another reason speaking with an attorney early is so important.











