reglab/statecodes huggingface dataset:
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 4 - Workers' Compensation Insurance › Section 19-406 - Cancellations by Insurer

(a)    This section does not apply to the cancellation of a policy or binder of workers’ compensation insurance by an insurer during the 45–day underwriting period in accordance with § 12–106 of this article.
(b)    Except for a cancellation for nonpayment of premium, an insurer may not cancel or refuse to renew a workers’ compensation insurance policy before its expiration unless, at least 45 days before the date of cancellation or nonrenewal, the insurer:
(1)    serves on the employer, by personal service or certified mail addressed to the last known address of the employer, a notice of intention to cancel or nonrenew the policy; and
(2)    files a copy of the notice with the State Workers’ Compensation Commission’s designee.
(c)    Notice under this section may be given:
(1)    if the employer is a corporation, to an agent or officer of the corporation on whom legal process may be served; and
(2)    if the employer is a partnership, to a partner.
(d)    Notice under this section shall state when the cancellation or nonrenewal takes effect.
(e)    Whenever an employer receives a notice under this section, the employer immediately shall secure coverage in accordance with § 9–402 of the Labor and Employment Article that will be in effect when the cancellation takes effect.
(f)    (1)    The notice shall state the insurer’s actual reason for proposing the cancellation or nonrenewal of the policy.
(2)    The Commissioner may not disallow a proposed action of an insurer because the statement of actual reason contains:
(i)    grammatical, typographical, or other errors, if the errors are not material to the proposed action and are not misleading;
(ii)    surplus information, if the surplus information is not misleading; or
(iii)    erroneous information, if in the absence of the erroneous information there is a sufficient basis to support the proposed action.
(g)    (1)    At least 10 days before the date of cancellation of a workers’ compensation insurance policy for nonpayment of premium, the insurer shall send to the employer, by certificate of mail, a written notice of the intention to cancel for nonpayment of premium.
(2)    An insurer shall file a copy of the notice sent under paragraph (1) of this subsection with the State Workers’ Compensation Commission’s designee.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-501 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    (1)    “Motor vehicle” means a vehicle, including a trailer, that is operated or designed for operation on a public road by any power other than animal or muscular power.
(2)    “Motor vehicle” does not include:
(i)    a bus as defined in § 11-105 of the Transportation Article; or
(ii)    a taxicab as defined in § 11-165 of the Transportation Article.
(c)    (1)    “Motor vehicle accident” means an occurrence involving a motor vehicle that results in damage to property or injury to a person.
(2)    “Motor vehicle accident” does not include an occurrence that is caused intentionally by or at the direction of the insured.
(d)    “Named insured” means the person denominated in the declarations in a motor vehicle liability insurance policy.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-502 - Effects of Subtitle

(a)    This subtitle does not affect Title 17 of the Transportation Article.
(b)    Neither this subtitle nor Title 17 of the Transportation Article prevents an insurer from issuing, selling, or delivering motor vehicle liability insurance policies that provide liability coverage in excess of the requirements of the Maryland Vehicle Law.
(c)    (1)    This subtitle does not prohibit an insurer from providing benefits for Christian Science care and treatment.
(2)    Expenses for Christian Science care and treatment constitute economic loss for purposes of this subtitle.
(d)    This subtitle does not affect the right of a person to claim and sue for damages or losses that the person sustains as the result of a motor vehicle accident.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-503.1 - Insurance Identification Card

(a)    In this section, “insurance identification card” means a card issued by or on behalf of an insurer, in a form that the Commissioner prescribes or approves, as an indication that the insurer has issued a motor vehicle liability insurance policy meeting the requirements of this subtitle.
(b)    (1)    An insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide to an insured at the time the motor vehicle liability insurance policy is initially issued and at each renewal an insurance identification card that indicates:
(i)    the first named insured on the motor vehicle liability insurance policy;
(ii)    the motor vehicle covered under the motor vehicle liability insurance policy; and
(iii)    the period for which coverage under the motor vehicle liability insurance policy is in effect.
(2)    (i)    If an insured and an insurer both consent, an insurance identification card may be produced in electronic format.
(ii)    Acceptable electronic formats include display of electronic images on a cellular phone or any other type of portable electronic device.
(3)    (i)    Except as provided in subparagraphs (ii) and (iii) of this paragraph, an insurance identification card shall be valid only for the period for which motor vehicle liability insurance coverage has been paid by the insured.
(ii)    If the insured is on an insurer–sponsored payment plan or has financed premiums through a premium finance company, the insurance identification card may be issued for periods of 6 months even if the payment by the insured is for a period of less than 6 months.
(iii)    For a 12–month commercial motor vehicle liability insurance policy covering three or more vehicles, the insurance identification card may be issued for a period of 12 months even if the payment by the insured is for a period of less than 12 months.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-504.1 - Coverage for Claims of Family Members

(a)    This section applies only when the liability coverage under a policy or binder of private passenger motor vehicle liability insurance exceeds the amount required under § 17-103 of the Transportation Article.
(b)    An insurer shall offer to the first named insured under a policy or binder of private passenger motor vehicle liability insurance liability coverage for claims made by a family member in the same amount as the liability coverage for claims made by a nonfamily member under the policy or binder.
(c)    (1)    An offer made under this section shall be made on the form that the Commissioner requires.
(2)    The form may be part of the insurance application, policy, contract, or binder.
(3)    The form shall clearly and concisely explain in 10 point boldface type:
(i)    the nature, extent, benefit, and cost of the amount of liability coverage for claims made by family members that is available to the first named insured; and
(ii)    that an insurer may not refuse to underwrite a first named insured because the first named insured requests or elects the liability coverage for claims made by family members in an amount equal to the coverage provided for claims made by nonfamily members.
(d)    (1)    An insurer may not refuse to underwrite a first named insured because the first named insured requests or elects the liability coverage for claims made by family members in an amount equal to the coverage provided for claims made by nonfamily members.
(2)    An insurer that violates this subsection is subject to the penalties provided in §§ 4-113 and 4-114 of this article.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-507 - Personal Injury Protection Coverage -- When Benefits Payable; Coordination of Policies; Premium Increase; Subrogation

(a)    The benefits described in § 19–505 of this subtitle shall be payable without regard to:
(1)    the fault or nonfault of the named insured or the recipient of benefits in causing or contributing to the motor vehicle accident; and
(2)    any collateral source of medical, hospital, or wage continuation benefits.
(b)    (1)    Subject to paragraph (2) of this subsection, if the insured has both coverage for the benefits described in § 19–505 of this subtitle and a collateral source of medical, hospital, or wage continuation benefits, the insurer or insurers may coordinate the policies to provide for nonduplication of benefits, subject to appropriate reductions in premiums for one or both of the policies approved by the Commissioner.
(2)    The named insured may:
(i)    elect to coordinate the policies by indicating in writing which policy is to be the primary policy; or
(ii)    reject the coordination of policies and nonduplication of benefits.
(c)    (1)    In this subsection, “increase the premium” includes an increase in total premium for a policy due to:
(i)    a surcharge;
(ii)    retiering or other reclassification of the policy; or
(iii)    removal or reduction of a discount.
(2)    An insurer that issues a policy that contains the coverage described in § 19–505 of this subtitle:
(i)    may not increase the premium on the policy due to a claim or payment made under that coverage; and
(ii)    at the time the policy is issued, shall notify the policyholder in writing that the insurer may not increase the premium on the policy due to a claim or payment made under that coverage.
(d)    An insurer that provides the benefits described in § 19–505 of this subtitle does not have a right of subrogation and does not have a claim against any other person or insurer to recover any benefits paid because of the alleged fault of the other person in causing or contributing to a motor vehicle accident.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-508 - Personal Injury Protection Coverage -- Payment of Benefits

(a)    (1)    Subject to paragraphs (2) and (3) of this subsection, an insurer shall make all payments of the benefits described in § 19-505 of this subtitle periodically as claims for the benefits arise and within 30 days after the insurer receives satisfactory proof of claim.
(2)    A policy that contains the coverage described in § 19-505 of this subtitle may:
(i)    set a period of not less than 12 months after the date of the motor vehicle accident within which the original claim for benefits must be filed with the insurer; and
(ii)    provide that if, after a lapse in the period of total disability or in the medical treatment of an injured individual who has received benefits under that coverage, the individual claims additional benefits based on an alleged recurrence of the injury for which the original claim for benefits was made, the insurer may require reasonable medical proof of the alleged recurrence.
(3)    The aggregate benefits payable to an individual under this subsection may not exceed the maximum limits stated in the policy.
(b)    (1)    When an insurer that provides the benefits described in § 19-505 of this subtitle receives written notice from an insured of the occurrence of a motor vehicle accident for which benefits may be available under § 19-505 of this subtitle, the insurer shall notify the insured by mail of the latest date on which a claim may be filed for benefits under § 19-505 of this subtitle as provided in subsection (a)(2)(i) of this section.
(2)    An insurer is not required under paragraph (1) of this subsection to send any notice to the insured as to any first party claim for benefits other than the benefits under § 19-505 of this subtitle.
(c)    Payments of benefits that are not made in accordance with this section and that are overdue shall bear simple interest at the rate of 1.5% per month.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-509.2 - Uninsured, Underinsured, or Enhanced Underinsured Motorist Coverage -- Subsequent Action Not Precluded

(a)    A final judgment in an action for personal injury protection coverage under a motor vehicle liability insurance policy does not preclude a subsequent action for uninsured or underinsured motorist coverage arising out of the same motor vehicle accident or occurrence.
(b)    A final judgment in an action for personal injury protection coverage under a private passenger motor vehicle liability insurance policy does not preclude a subsequent action for enhanced underinsured motorist coverage arising out of the same motor vehicle accident or occurrence.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-511 - Uninsured Motorist Coverage -- Settlement Procedures. [Effective Until July 1, 2029]

(a)    This section does not apply when the first named insured under a policy or binder of private passenger motor vehicle liability insurance has elected to obtain enhanced underinsured motorist coverage under § 19–509.1 of this subtitle instead of the uninsured motorist coverage required under § 19–509 of this subtitle.
(b)    If an injured person receives a written offer from a motor vehicle insurance liability insurer or that insurer’s authorized agent to settle a claim for bodily injury or death, and the amount of the settlement offer, in combination with any other settlements arising out of the same occurrence, would exhaust the bodily injury or death limits of the applicable liability insurance policies, bonds, and securities, the injured person shall send by certified mail, to any insurer that provides uninsured motorist coverage for the bodily injury or death, a copy of the liability insurer’s written settlement offer.
(c)    Within 60 days after receipt of the notice required under subsection (b) of this section, the uninsured motorist insurer shall send to the injured person:
(1)    written consent to acceptance of the settlement offer and to the execution of releases; or
(2)    written refusal to consent to acceptance of the settlement offer.
(d)    Within 30 days after a refusal to consent to acceptance of a settlement offer under subsection (c)(2) of this section, the uninsured motorist insurer shall pay to the injured person the amount of the settlement offer.
(e)    (1)    Payment as described in subsection (d) of this section shall preserve the uninsured motorist insurer’s subrogation rights against the liability insurer and its insured.
(2)    Receipt by the injured person of the payment described in subsection (d) of this section shall constitute the assignment, up to the amount of the payment, of any recovery on behalf of the injured person that is subsequently paid from the applicable liability insurance policies, bonds, and securities.
(f)    The injured person may accept the liability insurer’s settlement offer and execute releases in favor of the liability insurer and its insured without prejudice to any claim the injured person may have against the uninsured motorist insurer:
(1)    on receipt of written consent to acceptance of the settlement offer and to the execution of releases; or
(2)    if the uninsured motorist insurer has not met the requirements of subsection (c) or subsection (d) of this section.
(g)    Written consent by an uninsured motorist insurer to acceptance of a settlement offer under subsection (c)(1) of this section:
(1)    may not be construed to limit the right of the uninsured motorist insurer to raise any issue relating to liability or damages in an action against the uninsured motorist insurer; and
(2)    does not constitute an admission by the uninsured motorist insurer as to any issue raised in an action against the uninsured motorist insurer.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-512 - Collision Coverage

(a)    (1)    Each insurer that issues, sells, or delivers a motor vehicle insurance policy in the State shall offer collision coverage for damage to insured motor vehicles subject to deductibles of $50 to $250 in $50 increments.
(2)    Collision coverage shall provide insurance, without regard to fault, against accidental property damage to the insured motor vehicle caused by physical contact of the insured motor vehicle with another motor vehicle or other object or by upset of the insured motor vehicle, if the motor vehicle accident occurs in a state, Canada, or Mexico.
(b)    (1)    In this subsection, “passenger car” means a motor vehicle that is:
(i)    a Class A (passenger) vehicle under § 13–912 of the Transportation Article; or
(ii)    a Class M (multipurpose) vehicle under § 13–937 of the Transportation Article used primarily for transporting passengers.
(2)    If a private passenger motor vehicle insurance policy issued, sold, or delivered in the State includes:
(i)    collision coverage under this section, the motor vehicles insured under that coverage shall include any passenger car that is rented or used by an insured for a period of 30 days or less under a rental agreement or a peer–to–peer car sharing program agreement as otherwise defined in § 14–2101 of the Commercial Law Article; or
(ii)    comprehensive coverage, the motor vehicles insured under that coverage shall include any replacement vehicle as defined under § 18–102(a)(2)(i) or § 18.5–102(a)(2)(i) of the Transportation Article.
(3)    Each insurer that provides a private passenger motor vehicle insurance policy that includes collision coverage shall give the insured a separate notice written in boldface type that the insured does not need a collision damage waiver or any additional collision coverage when renting or peer–to–peer car sharing a passenger car for a period of 30 days or less during the term of the policy.
(4)    An insurer may not deny coverage to an insured for collision damage to a rental passenger car because:
(i)    the motor vehicle accident involved an uninsured motorist; or
(ii)    the identity of the motor vehicle causing the damage cannot be ascertained.
(c)    An insurer may offer to provide to the insured coverage for damages incurred by the insured as a result of the loss of use of a rental vehicle or a shared motor vehicle that sustains collision damage while rented by the insured.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-513 - Limitations on Recovery of Benefits

(a)    This section does not prohibit a nonprofit health service plan or an authorized insurer, with the approval of the Commissioner, from providing medical, hospital, and disability benefits in connection with motor vehicle accidents.
(b)    (1)    Notwithstanding any other provision of this subtitle, a person may not recover benefits under the coverages described in §§ 19–504, 19–505, 19–509, 19–509.1, and 19–512 of this subtitle from more than one motor vehicle liability insurance policy or insurer on a duplicative basis.
(2)    Except as provided in § 19–509.1 of this subtitle, and notwithstanding any other provision of this subtitle, a person may not recover benefits under the coverages described in §§ 19–504, 19–505, 19–509, and 19–512 of this subtitle from more than one motor vehicle liability insurance policy or insurer on a supplemental basis.
(c)    (1)    The insurer of a motor vehicle for which the coverage described in § 19–505 of this subtitle is in effect shall pay the benefits described in § 19–505 of this subtitle to an individual who is injured in a motor vehicle accident:
(i)    while occupying the insured motor vehicle; or
(ii)    by the insured motor vehicle as a pedestrian, while in, on, or alighting from a vehicle powered by animal or muscular power, or while on or alighting from an animal.
(2)    An insurer may not pay benefits under paragraph (1) of this subsection to an individual who is in violation of § 17–103 of the Transportation Article.
(d)    (1)    The insurer under a policy that contains the coverages described in §§ 19–505 and 19–509 of this subtitle shall pay the benefits described in §§ 19–505 and 19–509 to an individual insured under the policy who is injured in a motor vehicle accident:
(i)    while occupying a motor vehicle for which the coverages described in §§ 19–505 and 19–509 of this subtitle are not in effect; or
(ii)    by a motor vehicle for which the coverages described in §§ 19–505 and 19–509 of this subtitle are not in effect as a pedestrian, while in, on, or alighting from a vehicle powered by animal or muscular power, or while on or alighting from an animal.
(2)    Benefits payable under paragraph (1) of this subsection shall be reduced to the extent of any medical or disability benefits coverage that is:
(i)    applicable to the motor vehicle for which the coverages described in §§ 19–505 and 19–509 of this subtitle are not in effect; and
(ii)    collectible from the insurer of that motor vehicle.
(e)    Benefits payable under the coverages described in §§ 19–505 and 19–509 of this subtitle shall be reduced to the extent that the recipient has recovered benefits under the workers’ compensation laws of a state or the federal government for which the provider of the workers’ compensation benefits has not been reimbursed.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-514 - Arbitration

Authorized insurers that issue, sell, or deliver motor vehicle liability or physical damage insurance policies in the State shall arbitrate and settle all motor vehicle physical damage claims between the authorized insurers in accordance with an automobile subrogation program sponsored by the intercompany arbitration organization chosen by the authorized insurer that requests the arbitration.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-515 - Effect of Citation for Violation of Certain Alcohol Beverages Laws

An insurer may not refuse to issue or renew a motor vehicle liability insurance policy under this subtitle on the ground that the applicant has been issued a citation under § 3-8A-33 of the Courts Article.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-516 - Reimbursement for the Rental of Specially Equipped Motor Vehicles

(a)    This section applies to a motor vehicle insurance policy issued, sold, or delivered in the State that covers a motor vehicle that is specially equipped for the transportation of or operation by an individual with a disability.
(b)    If a motor vehicle insurance policy described in subsection (a) of this section provides for reimbursement of the costs of a rental motor vehicle, the insurer shall, upon request of the applicant or insured, make available for the appropriate premium at the time of the issuance or renewal of the policy a daily reimbursement rate of up to $100, for a maximum of $1,500 per policy period, to allow the insured to rent a motor vehicle that is equipped similarly to the covered motor vehicle.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-517.1 - Determination of Availability of Insurance Providers for Transportation Network Services Industry

(a)    Beginning July 1, 2017, and annually thereafter through July 1, 2021, the Commissioner shall make a determination whether, with regard to the required coverages under § 10–405(a) of the Public Utilities Article, there is a viable, affordable, and adequate market of authorized insurers in the State, including the Maryland Automobile Insurance Fund, available to provide the required coverages to the transportation network services industry.
(b)    To the extent that the Commissioner makes an affirmative finding of availability, and in accordance with the provisions of Title 3, Subtitle 3 of this article, it is the intent of the General Assembly that required coverages be obtained from authorized insurers and the Maryland Automobile Insurance Fund.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-518 - Volunteer Driver

(a)    In this section, “volunteer driver” means an individual who provides driving services, including transportation of individuals or goods, without compensation other than for expenses to:
(1)    a charitable organization, as defined in § 6–101 of the Business Regulation Article, in the State; or
(2)    a not–for–profit organization in the State that is exempt from taxation under § 501(c)(3), (4), or (6) of the Internal Revenue Code.
(b)    An insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State may not:
(1)    cancel the policy of a named insured or refuse to issue the policy to an applicant solely because the named insured or applicant is a volunteer driver; or
(2)    impose a surcharge on or otherwise increase the rate for the policy solely because the named insured or applicant, a member of the named insured’s or applicant’s household, or an individual who customarily operates the named insured’s or applicant’s motor vehicle is a volunteer driver.
(c)    This section does not prohibit an insurer from canceling, refusing to renew, imposing a surcharge on, or otherwise increasing the rate for a motor vehicle liability insurance policy based on factors other than the status of a driver under the policy as a volunteer driver.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage › Section 19-519 - Reinstatement of Policy

(a)    Notwithstanding any other provision of law, an authorized motor vehicle insurer and the Maryland Automobile Insurance Fund may reinstate, without a lapse in coverage, a private passenger motor vehicle liability insurance policy that was canceled by the insurer or the Fund for nonpayment of premium on payment by the policyholder of:
(1)    all earned premiums owed to the insurer or the Fund; and
(2)    any reasonable fee approved by the Commissioner under § 27–216(b)(5) of this article.
(b)    Before an authorized motor vehicle insurer or the Maryland Automobile Insurance Fund reinstates a policy under this section, the policyholder shall provide to the insurer or the Fund a written certification, in the form and manner specified by the insurer or the Fund, that no losses were incurred by the policyholder from the time and date the policy was canceled through the time and date the policy is reinstated.
(c)    A reinstatement of a policy by an authorized motor vehicle insurer or the Maryland Automobile Insurance Fund under this section:
(1)    shall be implemented in accordance with written underwriting guidelines adopted by the insurer or the Fund; and
(2)    is subject to the requirements of § 27–501(a) of this article in the same manner as a cancellation, a refusal to underwrite, or a refusal to renew a risk or class of risk.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 6 - Insurance Pools › Section 19-601 - Insurance Pools for Property or Casualty Insurance Authorized

The following may pool together to purchase property insurance or casualty insurance:
(1)    associations, corporations, institutions, organizations, or societies that are exempt from taxation under § 501(c)(3) of the Internal Revenue Code;
(2)    clubs that are organized and operated exclusively for recreational purposes and are exempt from taxation under § 501(c)(7) of the Internal Revenue Code;
(3)    nonprofit associations, corporations, or other organizations that are comprised of residents of a community and are operated exclusively for the promotion of social welfare and general neighborhood improvement; and
(4)    nonprofit organizations that are comprised of property owners in a subdivision or group of subdivisions and whose purpose is to represent the mutual interests of the property owners regarding the construction, protection, and maintenance of commonly owned or used property and improvements.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 6 - Insurance Pools › Section 19-602 - Insurance Pools by Public Entities Authorized

(a)    In this section, “public entity” means:
(1)    a political subdivision of the State;
(2)    a unit of the State or a local government; or
(3)    a nonprofit or nonstock corporation that:
(i)    receives 50% or more of its annual operating budget from the State or a local government; and
(ii)    is exempt from taxation under § 501(c)(3) or (4) of the Internal Revenue Code.
(b)    Public entities may pool together to purchase casualty insurance, property insurance, or health insurance or to self-insure against casualty, property, or health risks.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 6 - Insurance Pools › Section 19-603 - Funding by Local Governments Authorized

(a)    In this section, “local government” means a county or municipal corporation in the State.
(b)    A local government:
(1)    may enter into an agreement to fund an insurance pool established under this subtitle; and
(2)    except as otherwise provided in this section, may determine by resolution the provisions, terms, conditions, and duration of the agreement.
(c)    (1)    Except as provided in paragraph (2) of this subsection, a payment obligation in an agreement authorized by this section:
(i)    shall be a general obligation of the local government to which its full faith and credit and unlimited taxing power is pledged; and
(ii)    may not be subject to annual appropriation by the local government.
(2)    If a provision of the Maryland Constitution limits a local government in undertaking a payment obligation described in paragraph (1) of this subsection, or requires a local government to comply with certain procedures before undertaking a payment obligation described in paragraph (1) of this subsection, the local government may provide that the payment obligation is:
(i)    a limited obligation of the local government repayable from assets and revenues as provided in the agreement; or
(ii)    subject to annual appropriation by the local government.
(d)    Subject to the limitations of this section, a local government may undertake a payment obligation in an agreement authorized by this section:
(1)    without regard to any limitations contained in its charter or other applicable public local or public general law that otherwise would apply; and
(2)    without complying with any procedures contained in its charter or other applicable public local or public general law that otherwise would be required.
(e)    On the date a local government executes an agreement authorized by this section, the aggregate outstanding and unpaid principal amount that the local government is obligated to pay under the agreement may not exceed 0.2% of the local government’s assessable base for real property tax purposes for the fiscal year in which the agreement is executed, as determined by the State Department of Assessments and Taxation.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 7 - Lead Hazard Coverage for Rental Property › Section 19-701 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    (1)    “Affected property” means:
(i)    1.    a residential rental property constructed before 1950 that contains not more than one rental dwelling unit; or
2.    a residential rental property that contains not more than one rental dwelling unit for which the owner makes an election under § 6–803(a)(2) of the Environment Article; or
(ii)    an individual rental dwelling unit within:
1.    a residential rental property constructed before 1950 that contains more than one rental dwelling unit; or
2.    a residential rental property that contains more than one rental dwelling unit for which the owner makes an election under § 6–803(a)(2) of the Environment Article.
(2)    “Affected property” does not include property exempted under § 6–803(b) of the Environment Article.
(c)    “Owner” has the meaning stated in § 6–801(o) of the Environment Article.
(d)    “Rental dwelling unit” has the meaning stated in § 6–801(u) of the Environment Article.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 7 - Lead Hazard Coverage for Rental Property › Section 19-702 - Scope of Subtitle

This subtitle applies only to authorized insurers that deliver or issue for delivery in the State third party bodily injury liability insurance under:
(1)    homeowner’s coverage;
(2)    owners’, landlords’, and tenants’ coverage; or
(3)    any other premises liability coverage.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 7 - Lead Hazard Coverage for Rental Property › Section 19-706 - Claims Against Insureds

(a)    Subject to reasonable notice provisions contained in a policy or insurance contract, the notice provided to an insured under § 6-828(b)(1) of the Environment Article that a person at risk has an elevated blood lead level shall be deemed a claim against the insured for the purpose of triggering the authorized insurer’s duty to respond on behalf of the insured in accordance with Title 6, Subtitle 8, Part V of the Environment Article.
(b)    Notwithstanding § 6-831 of the Environment Article and §§ 19-704 and 19-705 of this subtitle, an authorized insurer is not liable for a qualified offer made under Title 6, Subtitle 8, Part V of the Environment Article if the qualified offer was made in violation of the terms of the policy or insurance contract.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 9 - Portable Electronics Insurance › Section 19-901 - Definitions

(a)    In this subtitle the following words have the meanings indicated.
(b)    “Covered customer” has the meaning stated in § 10–701 of this article.
(c)    “Customer” has the meaning stated in § 10–701 of this article.
(d)    “Portable electronics” has the meaning stated in § 10–701 of this article.
(e)    “Portable electronics insurance” has the meaning stated in § 10–701 of this article.
(f)    “Vendor” has the meaning stated in § 10–701 of this article.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 9 - Portable Electronics Insurance › Section 19-902 - Portable Electronics Insurance

(a)    Portable electronics insurance may be offered on a month–to–month or other periodic basis as a group or master commercial inland marine policy issued to a vendor under which individual customers may elect to purchase coverage under the policy.
(b)    Eligibility and underwriting standards for customers purchasing coverage under a policy of portable electronics insurance shall be established for each portable electronics insurance policy.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 10 - Travel Insurance › Section 19-1002 - Purpose; Applicability of Subtitle

(a)    The purpose of this subtitle is to promote the public welfare by creating a comprehensive legal framework within which travel insurance may be sold in the State.
(b)    (1)    This subtitle applies to travel insurance under policies and certificates delivered or issued for delivery in the State.
(2)    (i)    Except as otherwise expressly provided in this subtitle, this subtitle does not apply to a cancellation fee waiver or  travel assistance  services.
(ii)    The following may not be construed to be insurance, as defined in § 1–101 of this article:
1.    a cancellation fee waiver; or
2.    travel assistance services.
(c)    All other applicable provisions of this article apply to travel insurance, except that specific provisions of this subtitle supersede any general provisions of this article.
2023 Maryland Statutes › Insurance › Title 19 - Property and Casualty Insurance › Subtitle 10 - Travel Insurance › Section 19-1003 - Travel Protection Plans

Notwithstanding § 27–214 of this article, travel protection plans may be offered for one price for the combined features that the travel protection plan offers in the State if:
(1)    the travel protection plan:
(i)    clearly discloses to the consumer at or before the time of purchase that the plan includes travel insurance and, as applicable,  travel assistance  services or a cancellation fee waiver; and
(ii)    provides information and an opportunity at or before the time of purchase for the consumer to obtain additional information regarding the features and pricing of the travel insurance, travel assistance services, and a cancellation fee waiver, as applicable; and
(2)    the fulfillment material for the travel protection plan:
(i)    describes and delineates the travel insurance, travel assistance  services, and cancellation fee waiver in the travel protection plan;
(ii)    includes the travel insurance disclosures required under State law; and
(iii)    includes the contact information for the person providing the travel assistance  services or cancellation fee waiver, as applicable.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 1 - Definitions › Section 20-101 - Definitions

(a)    In this title the following words have the meanings indicated.
(b)    “Association” means the Industry Automobile Insurance Association.
(c)    (1)    “Association member” means an insurer that is licensed to write motor vehicle liability insurance or motor vehicle physical damage insurance in the State.
(2)    “Association member” does not include the Fund.
(d)    “Board of Directors” means the Board of Directors of the Association.
(e)    “Board of Trustees” means the Board of Trustees of the Fund.
(f)    “Executive Director” means the Executive Director of the Fund.
(g)    “Fund” means the Maryland Automobile Insurance Fund.
(h)    “Motor vehicle liability insurance” means insurance coverage that is reported as private passenger auto no-fault, other private passenger auto liability, commercial auto no-fault, or other commercial auto liability on the exhibit of premiums and losses page of the annual statement that Association members are required to file with the Commissioner.
(i)    “Motor vehicle physical damage insurance” means insurance coverage that is reported as private passenger auto physical damage or commercial auto physical damage on the exhibit of premiums and losses page of the annual statement that Association members are required to file with the Commissioner.
(j)    “Person” includes a governmental unit.
(k)    “Uninsured Division” means the unit within the Fund that is responsible for claims under Subtitle 6 of this title and activities related to reducing the rate of uninsured motorists in the State.
(l)    “Uninsured motor vehicle” means a motor vehicle for which:
(1)    the security required under § 17–103 of the Transportation Article is not in force; or
(2)    the security required under § 17–103 of the Transportation Article is in force but a receiver or conservator has been appointed by a court for the insurer that issued the security.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 2 - Administration of Fund › Section 20-201 - Maryland Automobile Insurance Fund

(a)    There is a Maryland Automobile Insurance Fund.
(b)    The Fund is independent of all State units.
(c)    The Fund is a member of the Property and Casualty Insurance Guaranty Corporation.
(d)    (1)    Except as otherwise provided by law, the Fund is subject to the provisions of this article.
(2)    Except as provided in paragraph (3) of this subsection, the Fund is not subject to any law, including § 6–106 of the State Government Article, that affects governmental units.
(3)    The Fund is subject to:
(i)    Title 4 of the General Provisions Article;
(ii)    the Maryland Public Ethics Law;
(iii)    Title 10, Subtitle 1 of the State Government Article with respect to regulations adopted under Subtitle 6 of this title;
(iv)    Title 12 of the State Government Article; and
(v)    Title 5, Subtitle 3 of the State Personnel and Pensions Article.
(4)    Paragraph (2) of this subsection does not affect the exemption from property tax under § 7–210 of the Tax – Property Article.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 2 - Administration of Fund › Section 20-202 - Board of Trustees

(a)    There is a Board of Trustees of the Fund.
(b)    (1)    The Board of Trustees consists of nine members appointed by the Governor with the advice and consent of the Senate.
(2)    Of the nine members:
(i)    at least three shall have insurance industry expertise; and
(ii)    at least two shall have financial management expertise.
(3)    Of the members described in paragraph (2)(i) of this subsection, at least one shall be appointed from a list of two or more individuals recommended by the Board of Directors.
(c)    A member may not be actively affiliated with an insurance agency, insurance producer, insurer, or premium finance company that does business with the Fund.
(d)    (1)    Each member shall be a resident of the State.
(2)    In deciding which individuals to appoint, the Governor, to the extent practicable, shall consider the geographic and demographic, including race and gender, diversity of the State.
(e)    Before taking office, each appointee to the Board of Trustees shall take the oath required by Article I, § 9 of the Maryland Constitution.
(f)    (1)    The term of a member is 5 years.
(2)    The terms of members are staggered as required by the terms provided for members of the Board of Trustees on October 1, 2013.
(3)    At the end of a term, a member continues to serve until a successor is appointed and qualifies.
(4)    A member may not serve for more than:
(i)    two full terms; or
(ii)    a total of 10 years.
(5)    If a member of the Board of Trustees ceases to be a member of the Board, the Governor shall appoint a successor for the unexpired term.
(g)    The Board of Trustees shall choose a chair from among its members.
(h)    The Governor may remove a member of the Board of Trustees for incompetence or misconduct.
(i)    (1)    Each member of the Board of Trustees is entitled to:
(i)    reasonable compensation:
1.    in the form of salary for work performed for the benefit of the Fund; and
2.    as provided in the budget of the Board of Trustees; and
(ii)    reimbursement for expenses:
1.    incurred in the performance of the member’s duties; and
2.    as provided in the budget of the Board of Trustees.
(2)    Nothing in paragraph (1)(i) of this subsection requires a member of the Board of Trustees to take compensation if the member has a conflict of interest with other employment that precludes the member from taking compensation for work performed for the benefit of the Fund.
(j)    The Board of Trustees:
(1)    shall adopt rules, bylaws, and procedures; and
(2)    may adopt any policy to carry out this title.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 2 - Administration of Fund › Section 20-203 - Executive Director

(a)    (1)    The Board of Trustees shall:
(i)    appoint the Executive Director of the Fund; and
(ii)    employ attorneys to advise and represent the Fund in all legal matters and, where necessary, to sue or defend suits in the name of the Fund.
(2)    The Executive Director serves at the pleasure of the Board of Trustees.
(3)    If the Board of Trustees fails to agree on a successor Executive Director, the Governor shall appoint the successor.
(b)    (1)    The Executive Director:
(i)    is the administrative head of the Fund; and
(ii)    shall exercise the powers and perform the duties conferred on the Fund by this title, except for those powers and duties conferred on the Board of Trustees.
(2)    The Board of Trustees shall advise the Executive Director on the exercise of the powers and duties conferred on the Executive Director by this title.
(c)    The Board of Trustees shall determine the compensation of the Executive Director.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 2 - Administration of Fund › Section 20-204 - Staff

(a)    (1)    Except as provided in paragraph (2) of this subsection, employees of the Fund are not in the State Personnel Management System.
(2)    A skilled service employee of the Fund hired before July 1, 2013, in a nonprofessional or nontechnical position shall remain in the skilled service in the State Personnel Management System or its equivalent as long as the employee remains in a nonprofessional or nontechnical position with the Fund.
(3)    The Executive Director shall appoint and remove employees of the Fund in accordance with the policies of the Board of Trustees.
(4)    Notwithstanding any other provision of law, the Executive Director may appoint claims adjusters, attorneys, and other necessary personnel directly as employees or on a contract basis.
(b)    The Executive Director shall determine and administer the compensation of the employees of the Fund with the approval of the Board of Trustees.
(c)    Except as otherwise provided in this subtitle, an employee of the Fund is not subject to any law, regulation, or executive order governing State employee compensation, including furloughs, salary reductions, and any other General Fund cost–saving measure.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 3 - Purpose and General Provisions › Section 20-301 - Purpose of Fund; Composition; Use

(a)    The purpose of the Fund is to provide the financial security required under § 17–103 of the Transportation Article to those eligible persons that are unable to obtain it from an Association member.
(b)    Money of the Fund consists of revenues, premiums, and other receipts provided by law.
(c)    (1)    All operating expenses of the Fund shall be paid from the money collected by or for the Fund.
(2)    (i)    Subject to subparagraphs (ii) through (iv) of this paragraph, money and property available to the Fund may be used for the general purposes of the Fund.
(ii)    Premiums collected and income accruing from those premiums may be used only for the payment of claims arising under policies issued by the Fund and for the administrative expenses of the Fund.
(iii)    The Fund shall keep separate records of any income and expenses directly attributable to the Uninsured Division, including the processing and payment of unsatisfied claims under Subtitle 6 of this title.
(iv)    The Fund shall keep separate records of any income and expenses directly attributable to its commercial policy and claims operations.
2023 Maryland Statutes › Insurance › Title 20 - Maryland Automobile Insurance Fund › Subtitle 3 - Purpose and General Provisions › Section 20-302 - Special Fund Account

(a)    The account of the Fund is a special fund account and is not a part of the State Treasury.
(b)    The State may not provide General Fund appropriations to the Fund.
(c)    The debts and obligations of the Fund are not a debt of the State or a pledge of the credit of the State.