While it's true that each jurisdiction has its own talkgroups - and I'm using that term specifically, since the majority of the Baltimore beltway lies within Baltimore and Anne Arundel counties - for Fire/EMS response, there are a few frequencies that would be utilized in the event of a major accident. Frequencies like Mutual Aid (154.28) should always be kept handy. In addition, with the testing of the RINS frequencies some time ago, I would expect that they too could be used at some point.
Of course, I would also keep MSP frequencies handy as well; particularly MSP Golden Ring and Glen Burnie barracks. I'd also have Syscom, as if someone calls for a Medevac, the helos and other units would be using these. 44.74, 123.025, and a few others I can't think of offhand. I'd also keep 47.32, 47.40 and 47.02 (all of these are State Highway admin) in there as well; they'd be used by those bright yellow trucks that you see responding to highway emergencies. I would also keep Metro Traffic's frequency and PL in there somewhere (450.4875, I'm pretty sure the PL is 141.3)
This of course mandates the use of a decent mobile antenna, not to mention a good external speaker, patch to the stereo system, or other ways to amplify the audio - particularly important if the windows are down (and in this warm weather, who wouldn't have it that way anyway?)
73s Mike