Route to Ocean City MD… take 495 or something else

Followed the GPS route…. 81 to 66 to 495 to US 50… was not bad. My biggest mistake was not filling up before we got off 81. 66 is heavy construction ??. Finding a decent sized station with diesel is not easy on the fly. After we got on 50. There was an accident on US 50 right before the bridge that had traffic backed up. Followed GPS route around it by the US navel academy. Looked like the same route west was jammed up on the bridge.