Maryland’s Collateral Source Rule says that car accident victims can recover the full amount of their damages even if insurance pays a portion of them. In other words, your damages are not limited to what you paid out of pocket.
Let’s say that PIP insurance paid $2,500 worth of your medical bills and the total cost of your medical bills was $5,000. Under the Collateral Source Rule, you are entitled to the full $5,000 in a lawsuit, and the insurance company or another party can’t use the fact that you were insured against you.  The same is also true if your health insurance were to pay $2,500 of your bills. Once again, the at-fault insurance company would still be responsible for the full costs of all of your medicals bills, which in this example would be $5,000.