What Is a Head-On Collision Case Worth in Maryland?

 Posted on February 04, 2026 in Car Accidents

Head-on collisions are among the deadliest types of car accidents. When two vehicles strike each other front to front, drivers and passengers are often left with severe or life-changing injuries. The National Highway Traffic Safety Administration estimates that 39,345 people died in motor vehicle crashes last year.

As of 2026, there is no set dollar amount for a head-on collision case. Each claim depends on the injuries involved, the financial losses suffered, and how the crash changed the injured person’s daily life. If you are facing this situation, a Harford County, MD car accident lawyer can help you understand what your head-on collision case may be worth and what factors affect that value.

Why Are Head-On Collisions Often So Severe?

Head-on collisions involve two vehicles moving toward each other, which means the impact force is combined. This makes these crashes far more dangerous than rear-end or side-impact accidents.

Common causes include wrong-way driving, distracted driving, impaired driving, and unsafe passing. Because there is little time to react, victims often suffer serious injuries even at moderate speeds.

How Do Injuries Affect the Value of a Head-On Collision Case?

Injuries play a major role in determining what a case is worth. Head-on collisions frequently result in broken bones, traumatic brain injuries, spinal injuries, and internal organ damage.

More serious injuries usually increase case value because they require extensive medical treatment and longer recovery periods. Some injuries may affect a person for years or even a lifetime. That is why it is important not to rush into a settlement before doctors understand the full extent of the harm.

What Types of Damages Are Available in a Maryland Head-On Collision Case?

In a Maryland head-on collision case, injured people may be able to recover compensation for both financial losses and personal harm caused by the crash. These damages are meant to reflect how the accident affected your health, income, and daily life.

Economic damages are not capped under Maryland law and are based on the actual losses you experienced. Non-economic damages, however, are subject to a legal limit under Md. Code, Courts and Judicial Proceedings § 11-108, which places a cap on compensation for pain and suffering and other personal losses. The cap can increase slightly each year, but it still applies even in severe injury cases.

Common damages in a head-on collision claim may include:

• Medical bills and future treatment costs
• Lost wages and reduced earning ability
• Pain and suffering
• Loss of enjoyment of daily life

Because head-on collisions often lead to serious injuries, understanding how damage caps work is important when estimating what a case may truly be worth.

Does Fault Matter in Maryland Head-On Collision Cases?

Maryland follows a contributory negligence rule, which is stricter than the laws in many other states. If an injured person is found to be even slightly at fault for the crash, they may be barred from recovering compensation.

Insurance companies often rely on this rule to deny claims, even when the other driver was mostly responsible. Because of this, proving fault is critical in Maryland head-on collision cases. Evidence such as police reports, witness statements, and accident reconstruction can make a major difference.

How Can a Lawyer Help With a Head-On Collision Case?

A car accident lawyer can gather evidence, work with medical records, and handle communication with insurance companies. This is especially important in Maryland, where a small mistake can result in a denied claim.

Legal guidance helps protect injured people from unfair blame and low settlement offers, allowing the focus to stay on recovery.

Schedule a Free Consultation With Our Bel Air, MD Car Accident Attorney

At Serafini Law, we understand the seriousness of a head-on collision. Attorney Serafini is supportive with clients and aggressive with insurance companies and other defendants, giving every case his personal attention. With more than 12 years of experience, he knows how to build strong cases and push back against unfair tactics.

Call 240-744-1600 to schedule a free consultation with a Harford County, MD car accident lawyer today. We answer calls 24/7 and handle cases on a contingency fee basis, so you do not pay unless we recover compensation for you.