Maryland

Diminished Value Overview

In Maryland, a vehicle involved in a not at fault accident may lose market value even after repairs are completed. When another driver is responsible for the accident, Maryland law allows you to pursue compensation for that loss in value from the at fault driver’s insurance company as part of your property damage claim. Maryland is considered a diminished value recovery state, meaning you can recover the loss in value when the claim is presented properly.

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01

Statute of Limitations

Maryland allows three years from the date of the accident to pursue a diminished value claim.

02

Third-Party Claims

Diminished value claims can be pursued against the at fault driver’s liability insurance when another driver caused the accident.

03

First-Party and Uninsured Motorist

Most first party policies in Maryland do not cover diminished value, but uninsured and underinsured motorist coverage can apply to diminished value claims under your own policy.

04

Small Claims Court Limit

Maryland small claims court allows diminished value claims up to $5,000.


Maryland Diminished Value Law

Maryland law recognizes that a vehicle may suffer a loss in market value after a collision, even when repairs are completed. When another party is at fault, that loss may be recovered as part of a third party property damage claim.

Maryland Civil Pattern Jury Instructions MPJI-Cv 10:21

Maryland’s civil pattern jury instructions provide that when damaged property has been repaired but its fair market value has nevertheless decreased, the plaintiff may recover the difference between the property’s fair market value immediately before the damage and its value after the repair. This instruction confirms that diminished value is a recognized element of property damage when repairs do not fully restore a vehicle’s pre loss market value.