{"id":3017,"date":"2026-03-09T22:03:00","date_gmt":"2026-03-10T02:03:00","guid":{"rendered":"https:\/\/www.millerandzois.com\/collateral-source-rule\/"},"modified":"2026-03-09T22:50:10","modified_gmt":"2026-03-10T02:50:10","slug":"collateral-source-rule","status":"publish","type":"page","link":"https:\/\/www.millerandzois.com\/professional-attorney-information-center\/statutes\/collateral-source-rule\/","title":{"rendered":"Collateral Source Rule | How Does It Work?"},"content":{"rendered":"<p>If you&#8217;ve been injured in an accident and your health insurance paid your medical bills, you might assume those bills are &#8220;taken care of&#8221; and no longer part of your claim. Insurance adjusters will encourage that assumption. They are wrong&#8230; and they know it.<\/p>\n<p>Under Maryland&#8217;s collateral source rule, you can recover the full value of your medical expenses and lost wages from the at-fault party, even if those bills were already paid by your health insurer, PIP coverage, or employer. The defendant does not get credit for benefits you paid for or earned. This is one of the most misunderstood and most valuable rules in personal injury law.<\/p>\n<p>The rule exists because of a simple principle. If there&#8217;s going to be a windfall, it should go to the person who was hurt, not the person who caused the harm. You paid your insurance premiums. You earned your employer&#8217;s goodwill. The negligent driver should not benefit from your foresight.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.millerandzois.com\/professional-attorney-information-center\/statutes\/collateral-source-rule\/\"  title=\"Continue Reading Collateral Source Rule | How Does It Work?\" class=\"more-link\">Continue reading \u2192<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve been injured in an accident and your health insurance paid your medical bills, you might assume those bills are &#8220;taken care of&#8221; and no longer part of your claim. Insurance adjusters will encourage that assumption. They are wrong&#8230; and they know it. Under Maryland&#8217;s collateral source rule, you can recover the full value [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3015,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3017","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Collateral Source Rule | How Does It Work? | Maryland Personal Injury Lawyer<\/title>\n<meta name=\"description\" content=\"Free Consultation (800) 553-8082 Miller &amp; Zois helps injured victims and their families in personal injury, medical malpractice and wrongful death cases. Maryland Personal Injury Lawyers. 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