Maryland follows fault insurance laws. This means the individual or entity responsible for causing the accident will be required to compensate you for your damages. If this party has insurance coverage, you have the right to file a claim with their insurance provider. However, it is important to note that the insurance company is unlikely to cover your damages without putting up a fight.
Since it would cost them money to settle your claim, you can expect them to do everything in their power to reduce your settlement or deny your claim altogether. What's more, the insurance company only covers specific types and amounts of damages as described in the policy. When insurance policies are not sufficient enough to cover your damages, filing a civil lawsuit against the liable party may be appropriate.