Regarding car accidents, the state of Maryland has a few laws of which every licensed driver in the state should be aware.  The first is the contributory negligence rule; if a driver is found to have contributed even slightly to a collision, they will not be able to receive any compensation from the other driver. Most states do not abide by this law, but Maryland does. Claims adjusters make their decisions based on what happens in court, and state judges and juries are bound by this law. This can put you at a disadvantage, so it is never a good idea to admit fault if you believe that this is the case. You could be wrong, but your statement could come back to haunt you later.