Are you aware that Maryland is a contributory negligent state? This means if you are even just 1% contributory negligent you cannot recover. My advice would be to be very careful as to what you say to the insurance liability carrier. I would even advise that you not make any statement to the liability insurance carrier until you have had an opportunity to speak with and may employ a personal injury attorney. This is because you may inadvertently say something to the liability carrier which adversely affects your personal injury claim. The opposing insurance agent is NOT your friend and is NOT on your side, or even neutral – It is his or her job to find any reason not to pay you!  Don't give that opportunity to them!  It is best to meet with a personal injury attorney and then let the attorney give the liability carrier a carefully prepared statement that tells how the accident occurred.

Personal Injury- Wrongful Death, Auto accidents, and Motorcycle accidents Personal injury law in Maryland involves injury which is caused by someone else’s failure to use reasonable care. The definition of reasonable care in Md. is determined on a case-by-case basis. A person may be liable for the injury caused through negligent or reckless action. The injury to the plaintiff must be caused by and be a foreseeable result of the defendant’s action. Some of the defenses to liability for personal injury include contributory negligence causes, pre-existing condition, and assumption of the risk.