VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

Start Here

MARYLAND AUTO INSURANCE GUIDE

Maryland Government Vehicle Crashes, MTCA/LGTCA Notice & Liability Caps

Maryland government-vehicle claims require different procedures depending on whether the defendant is the State or a local governmental entity. The Maryland Tort Claims Act and Local Government Tort Claims Act impose separate notice, immunity and damages-limit rules.

  • Identify the governmental entity, employee, vehicle ownership and scope of employment.
  • Determine whether the MTCA or LGTCA applies.
  • Calendar the applicable one-year notice requirement and suit deadline.
  • Apply current per-claim and per-occurrence liability limits and exceptions.

Publication review note — September 17, 2026. Verify current MTCA/LGTCA notice, immunity-waiver and liability-cap provisions before publication.