Car Vandalism in Maryland: No Fixed "State Value"—Depends on Damage, Value, Insurance

Maryland does not set a fixed "state value" for vandalized vehicles. Compensation depends on:

• Repair Cost vs. Actual Cash Value (ACV): If repair cost > ACV (pre-damage market value), it's a total loss; insurer pays ACV minus deductible.
• Insurance Coverage: Comprehensive coverage covers vandalism (subject to deductible). Liability-only does not.
• Diminished Value: Maryland allows diminished value claims (resale value loss after repair) if not at fault—requires documentation.
• Loss of Use: Rental reimbursement if policy includes it.

Steps After Vandalism

1. Document damage (photos, video).
2. File police report (required for insurance).
3. Contact insurer promptly.
4. Get repair estimates (insurer may require approved shop).
5. Negotiate if ACV offer seems low (use comparable sales, Kelley Blue Book).

No statutory "state value" exists—each claim is individually assessed.