Maryland Pre-Settlement Funding

Pure contributory negligence makes Maryland tough. Funding makes negotiation easier.

Maryland is one of only four states plus DC that still apply pure contributory negligence to personal injury cases. Under that doctrine, even one percent of fault on the plaintiff’s side bars all recovery. Defense attorneys know this and use it as leverage during settlement talks, often dragging cases out while looking for any opening to argue plaintiff fault. Maryland pre-settlement funding holds the line for plaintiffs in that environment by advancing cash against active claims. The advance is non-recourse, repayable only if you win or settle. A defense verdict cancels everything. A lawsuit advance gives Maryland plaintiffs the staying power that strong cases deserve.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Maryland Funding Eligibility Requirements

Three baseline pieces have to be in place before our underwriting team will move on a Maryland funding file. The case must be a personal injury action filed in Maryland, your attorney has to be running it on contingency, and your filing must still be inside Maryland’s three-year statute under Md. Code Cts. & Jud. Proc. § 5-101. Anything outside those three sends the application back.

Maryland Court Filing

A personal injury case actively filed in Maryland Circuit Court or the federal District of Maryland. Our funding covers plaintiffs across all 23 Maryland counties plus Baltimore City, from Montgomery and Prince George’s through Allegany and Wicomico.

Bar-Member Counsel

Your attorney has to be admitted to the Maryland State Bar and working the case on a contingency arrangement. The lawsuit advance moves between us and your law firm. The applicant rarely handles the funding paperwork beyond signing the agreement.

Clean Liability Position

Maryland’s pure contributory rule means liability documentation matters more here than in most states. Cases with clean liability records get approved easier. Real damages and a defendant who can pay are the other two underwriting pillars. Personal credit, income, and employment don’t factor in.

Maryland Case Types We Approve

Six categories cover most Maryland personal injury filings. Each one runs through the same underwriting process with case-specific adjustments, especially around the contributory fault analysis.

Auto Accidents

Capital Beltway crashes around DC, I-95 collisions through Baltimore, semi-truck wrecks on I-70 and I-83, and commuter rail crossing incidents.

Medical Malpractice

Surgical complications at Johns Hopkins and University of Maryland Medical Center, anesthesia injuries, missed diagnoses, and elder care complaints at long-term care facilities.

Premises & Slip and Fall

Slip and fall claims at retail and casino properties, security failures at apartment buildings, and incidents at Camden Yards and other venues.

Workplace & Maritime

Chesapeake Bay maritime injuries, federal employee third-party claims, construction site accidents, and other matters outside Maryland workers’ compensation.

Wrongful Death

Beneficiary actions under Md. Code § 3-904 following a fatal injury caused by another party’s negligence.

Tanker Truck Spill Claims

Funding for severe injuries resulting from hazardous material haulers and heavy liquid tanker collisions on busy Mid-Atlantic corridors.

Get your Maryland lawsuit funding decision before the next billing cycle

Get Started

Or call us toll-free at (800) 961-8924.

Maryland Pre-Settlement Funding Laws and Regulations

Maryland is one of just five U.S. jurisdictions that still apply pure contributory negligence to personal injury cases, alongside Alabama, North Carolina, Virginia, and DC. Under that doctrine, even one percent of plaintiff fault bars recovery entirely. The state runs a three-year statute for general negligence and requires PIP coverage on auto policies unless waived. Each Maryland lawsuit funding decision works around these specifics, so confirm your dates and liability picture with your attorney before relying on the figures below.

Statute of Limitations for Personal Injury

General negligence: 3 years from the date of injury under Md. Code Cts. & Jud. Proc. § 5-101 ^[1]
Medical malpractice: 5 years from injury or 3 years from discovery, whichever is earlier, under Md. Code § 5-109
Wrongful death: 3 years from the date of death under Md. Code § 3-904
Product liability: 3 years from injury

Maryland’s medical malpractice statute applies the earlier of 5 years from injury or 3 years from discovery, which creates a tighter window than most states. State government tort claims need notice within 1 year under the Maryland Tort Claims Act, and local government tort claims face a stricter 6-month deadline under the Local Government Tort Claims Act.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $30,000 per person / $60,000 per accident ^[2]
Property Damage Liability (PD): $15,000
Personal Injury Protection (PIP): $2,500 (required unless waived in writing)
Uninsured/Underinsured Motorist (UM/UIM): $30,000 per person / $60,000 per accident (required at matching BI limits)

Maryland operates as a fault-based tort state with required PIP and UM/UIM coverage. PIP coverage at $2,500 is mandatory unless waived in writing at the time of policy purchase. Uninsured and underinsured motorist coverage at limits matching bodily injury is also required. Around 12 percent of Maryland drivers carry no insurance.

Contributory Negligence Rule

Pure contributory negligence under Maryland common law
If even 1 percent at fault, recovery is barred entirely
Maryland is one of only 5 U.S. jurisdictions still applying this strict doctrine, alongside Alabama, North Carolina, Virginia, and DC

Maryland Funding Application Steps

From application to deposit, the typical Maryland file moves through funding inside 24 to 48 hours.

Submit Case

Submit case details through the form at the top of this page, or call (800) 961-8924 to start by phone. Most Maryland applications take under five minutes.

Liability Review

Our team contacts your Maryland attorney to gather case documents. The file goes through underwriting on liability, damages, and coverage, with extra attention to contributory fault exposure. Decisions usually arrive within one business day.

Deposit Out

Once both you and your attorney sign the funding agreement, the wire goes out by ACH. Most Maryland plaintiffs see the deposit hit their account within 24 hours of execution.

Maryland Plaintiff Inquiries

How does contributory negligence affect funding?

Cases with clean liability fund easier in Maryland than in most states. Pure contributory means any plaintiff fault, even one percent, bars all recovery. We weigh fault exposure heavily during underwriting, so cases where the defendant clearly caused the injury get approved faster than cases with shared fault questions.

Does my PIP waiver affect eligibility?

PIP itself doesn’t bar eligibility. Plaintiffs with PIP have $2,500 in immediate medical coverage that helps with bills before settlement. Plaintiffs who waived PIP face higher out-of-pocket exposure but retain the same right to sue. Either way, our underwriting focuses on the personal injury claim, not the PIP election.

What’s a typical advance for a Maryland case?

Advances run from $500 to over $250,000. Most Maryland plaintiffs qualify for between 10 and 20 percent of expected gross settlement. The actual figure depends on case strength, liability picture, and the defendant’s available coverage.

What if my Maryland case loses?

Nothing comes out of your pocket. Non-recourse funding means our repayment depends entirely on a recovery. A defense verdict, dismissal, or contributory negligence finding ends the funding obligation. The money already paid out stays with you.

Open your Maryland lawsuit loan file today