Certainly, informed plaintiffs want to know what their best-case scenarios are. Plaintiffs’ car accident lawsuits (and settlements) in Maryland are limited by (1) Maryland’s cap on non-economic damages, or (2) as a practical matter in most passenger car accident cases, the upper limits of the available insurance coverage.
How much money does the insurance company have available to settle your claim? Unless the insurance company offers the policy limits, in which case they certify the amount of the policy, the only other way to know is to file a lawsuit. They are required to provide this information in discovery. Here is an example of a response from Erie: